enigma5915
Explorer
As far as natural armor when I am converting a creature I only give it 30% -100% of its natural AC converted to DR totaly depending on the the creature and my rational of how it should work. With most creatures the natural armor would not count against elemental damage except for special circumstances or specific creatures. so this will be a benefit for casters dealing damage to creatures with natural armor. But it is what it is. Magic is powerful, but casters typically are more fragile, there is a bit of a trade off.