The term patched save files refers to character data that has been updated or modified to function correctly with the latest versions of the game, such as version 1.14d. In the early days of D2 LOD, save files were often version-specific. If you tried to load a character created in version 1.07 into a 1.14 environment, you might encounter corrupted items or skill point errors. Modern patched saves ensure that all item attributes, skill trees, and quest completions align with the current game logic, preventing crashes when you enter a game.
This is your actual character file. It contains your level, skills, and personal inventory. This is the only file strictly required to load a character. .ma0, .ma1, etc.: diablo 2 lod character save files patched