Gizzard said:
Yeah, sure. The Wizard has how many first level spells to throw around? "Hmm, should I Sleep like 6 Orcs or should I give doofus over here some Mage Armor? Let me think."
This all changes at high level, but to get to high level you have to survive low level.
I played a HO monk from 1st to 13th level (NOTE: monks may be great wizard killers, but that does not mean they are immune to disintegrate.) The party was my monk, a dwarven fighter, a dwarven cleric and a human wizard. At low levels (2 to 7) the wizard cast mage armor on him using a wand of mage armor that my monk bought. By the time it ran out (7th level), he had replaced it with decent bracers (+3), a ring of protection (+1), a periapt of wisdom (+2 to wis, +1 to AC) and an amulet of natural armor (+1). He was also getting a dex boosting spell from the wizard, but that will not be as easy in 3.5. He upgraded the equpment by 10th so that his regular AC was 30.
Level 1 AC 15
Level 2 AC 19 (mage armor)
Level 3 AC 19 (mage armor)
Level 4 AC 21 (mage armor, natural armor, delfection)
Level 5 AC 21 (mage armor, natural armor, delfection)
Level 6 AC 24 (mage armor, natural armor, deflection, wisdom, dex)
Level 7 AC 25 (mage armor, natural armor, deflection, wisdom, dex)
Etc ....
Was he a match for the party fighter? No, not in a head on fight. That wasn't his job. But he often had the most glory in a large battle as he moved around enemies and tumbled up to the big baddie, stunned him / killed him and then tumbled back out to get healed. The monk serves a different purpose than the fighter. He isn't meant to be a pure war machine. Primarily, he scouts, takes on tactical foes and opposes wizards.