My max MF gear is at >200% and I still didn't notice any difference in boss loots or chest loots - I have the feeling MF gear either only applies to trash or it doesn't apply at all.
MF will apply to everything: trash, rares, champions, bosses, barrels, etc. The problem is that even if you have 200% MF, it won't make a noticeable difference. As an example:
An item has a 3% chance to drop. If you had 100% magic find, that chance would increase by 100%: in other words, it would increase by another 3% to a total of 6%. 200% MF would boost it to 9%.
As such, the difference is certainly there, but it won't really be noticeable. You just have to trust that it's working, rather than try to objectively prove it.
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MF will apply to everything: trash, rares, champions, bosses, barrels, etc. The problem is that even if you have 200% MF, it won't make a noticeable difference. As an example:
An item has a 3% chance to drop. If you had 100% magic find, that chance would increase by 100%: in other words, it would increase by another 3% to a total of 6%. 200% MF would boost it to 9%.
As such, the difference is certainly there, but it won't really be noticeable. You just have to trust that it's working, rather than try to objectively prove it.