Lanefan
Victoria Rules
All that tells me is that the game has bound itself to what is, in effect, a typo: 'holding' instead of 'using'.It is written that way in the DMG. It's on page 200.
While holding this shield, you have a bonus to AC determined by the shield's rarity. This bonus is in addition to the shield's normal bonus to AC.
Holding means holding, not wearing or wielding or equipped, and the description reads "holding".
This is a RAW answer. Crawford is just reading the book back to us. That doesn't mean that we should play this way, but if you want to understand what the book literally says then there you go.
Rules lawyers rejoice!
