By 2nd or 3rd level, player characters can easily afford masterwork studded leather or chain shirt, so the armor check penalty for those two armors become -0 and -1, respectively. This makes those two armors very popular among barbarians, bards, rangers, and rogues. If you're a halfling with a Dex 20, you go with the studded leather; otherwise, if you're have a Dex 18 or less, you go with the chain shirt. It's a no-brainer.
And what about clerics, fighters, and paladins - i.e. the heavy armor wearers? Well, by 2nd or 3rd level, they can probably afford full plate armor, so unless they have a Dex 14 or higher, they go with that. If they have a Dex 14 to 17, they go with masterwork breastplate. This, too, is a no-brainer.
And what about choosing between a mythril chain shirt and elven chainmail? "Let's see: Elven chainmail gives +5 AC, +4 max Dex bonus, -2 armor check Penalty, and costs $4150. A mythril chain shirt gives +4 AC, +6 max Dex bonus, no armor check penalty, and costs $1100. Well, hey! The choice is obvious, eh... ?" No elven hero would choose elven chainmail over a mythril shirt, so I wonder why elves even bother to make the former.
Sigh. I wish they'd address this issue in 3.5, which has been a glaring one among me and my players from the very dawn of 3rd Edition. But I doubt they will.
And what about clerics, fighters, and paladins - i.e. the heavy armor wearers? Well, by 2nd or 3rd level, they can probably afford full plate armor, so unless they have a Dex 14 or higher, they go with that. If they have a Dex 14 to 17, they go with masterwork breastplate. This, too, is a no-brainer.
And what about choosing between a mythril chain shirt and elven chainmail? "Let's see: Elven chainmail gives +5 AC, +4 max Dex bonus, -2 armor check Penalty, and costs $4150. A mythril chain shirt gives +4 AC, +6 max Dex bonus, no armor check penalty, and costs $1100. Well, hey! The choice is obvious, eh... ?" No elven hero would choose elven chainmail over a mythril shirt, so I wonder why elves even bother to make the former.
Sigh. I wish they'd address this issue in 3.5, which has been a glaring one among me and my players from the very dawn of 3rd Edition. But I doubt they will.
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