After some testing, I can say Annette's personal skill is treated as Rally Strength, and does not stack. Any Defense lowering skills are all treated as Seal Defense, and so do not stack. However, the "rattled" effect after being hit by a gambit lowers PRT, not DEF, by 2. Trying to stack this and Seal Defense results in rattled only lowering PRT by 1, no matter the order.
So, at max, as far as I know, you can lower an enemy's DEF by 5, and their PRT by 1.
I don't know for sure if "faire" skills stack, but will test so once I get Dedue to Lance S+.