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I've noticed that when I am attacked while offline and I lose 100%, I don't lose all of my gold and mana.

I have a tendency to get a little nervous if I have 8 hours left in a worker's job and I have high reserves of gold and mana laying around. This makes me want to spend some of my gems on either a shield or to just finish the job early so I can spend my currency on the next job.

What determines how much of my gold and mana is at risk to an attacking player?

LarsTech
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25% if from random raids and 5% if from player ranking raids.

That said, it is highly advisable to actually not put much effort in defense. You will get an 10 hour shield if someone 100% you - at a 25% loss. If someone 50% you you would be open to attacks again in 2 hours.

Buying decorations is also a good way to save resources temporarily - but you take a 50% loss when selling the decorations. That said, each upgrade at higher level usually take weeks and you have enough time to stockpile decorations. If not, check if you have a guild mate who has resource overflow problems.