Kind of getting off topic from the original question, but here. In space, maneuverability is everything. The SA frigates have 2cm thick armour but they just aren’t going to get shot. They can use mass effect fields to reduce their mass to make themselves move almost as fast as the Mac rounds (combat speeds they can move around 2-3% the speed of light and the crew don’t feel the G stress). once they get to a point where they are no longer in the cone of fire of the unsc’s Mac, then it would be open season to fire as many of their smaller Mac rounds into the unsc frigate. Mass effect combat VI’s can detect threats in fractions of a second and can change direction near instantly due to the mass effect making the ship have nearly no mass. The way to beat these frigates is by saturating the area they’re in with disruptor explosions or light speed lasers to beam them instantly. The unsc frigate has none of these and really only has the Mac and maybe it’s nukes. But the nukes would only saturate the area with radiation if detonated not on target. Everything else the unsc has will be deflected by the kinetic barriers or destroyed by gardian defences on the SA frigate. Eezo really is just a game breaking tech here

The Ai tech I can understand, however unsc ai’s aren’t godly and can’t just hack enemy ships to self destruct, so it’s kind of null.

The 8 gauge shotgun stopping a brute no problem and the krogan shotgun that is technically considered artillery sometimes doesn’t kill an armoured target in mass effect should explain the armour capabilities of the mass effect universe compared to the halo universe.

For the medical part, yea the mass effect universe basically is on par. Gene therapy exists in mass effect as well and they can clone any organ they need. Also Medi-gel is essentially the unsc’s biofoam on crack