Option 1 or 2 with two being my preference for the default and one being for certain settings. That stated, for option 2, I would want to see the following:
1. Wizards do not start with armor proficiency
2. The wizard must spend feats to gain proficiency in armor
3. To avoid end running around #2 by dipping, if armor and weapon proficiency come from classes, the armor and weapon proficiency from classes only apply to starting characters and represents their training prior to level one. Multi-classing does not, automatically, grant any new proficiency in the armor and weapons of the new class.
1. Wizards do not start with armor proficiency
2. The wizard must spend feats to gain proficiency in armor
3. To avoid end running around #2 by dipping, if armor and weapon proficiency come from classes, the armor and weapon proficiency from classes only apply to starting characters and represents their training prior to level one. Multi-classing does not, automatically, grant any new proficiency in the armor and weapons of the new class.
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