billd91
Not your screen monkey (he/him) 🇺🇦🇵🇸🏳️⚧️
As has been mentioned, D&D gets to the point where your gear is more important than you are.
I disagree that it gets to that point. Take an 18th level fighter with a +4 flaming burst long sword and a belt of giant strength +4 (to make a fairly arbitrary not terribly unrepresentative choice). Of his bonus to hit, 18 comes from his level, 2 for Weapon Focus (and greater weapon focus), maybe 3 or 4 comes from his inherent strength. He gets a relatively small 6 of his attack bonus from the magic items.
A magic item may make a pretty big difference between something that has full DR against such a fighter, but chances are he's still getting some damage past the 10 to 15 points of DR anyway.
As far as defensive items, his AC will be more significantly increased by magic because of multiple, cooperative defensive bonus types. But unless his armor and shield (if he uses one) are both highly enchanted, his armor bonus probably still makes up the plurality of his AC bonuses. His inherent save bonuses, even on the weak save, can still total higher than the +4-5 his cloak of resistance will give him... assuming he didn't dump stat his Dex or Wis.
There's no way the comparison is between Tony Stark and Iron Man. It really is more of a Batman issue (considering he really can't duke it out with the likes of Superman or Wonder Woman without equalizing gadgets). Possibly Hawkeye/Green Arrow at the most extreme, I'd say, because neither seems to prove as ineffective in a fight as Iron Man sans armor.