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Spikey, That would be an excellent example of two seemingly innocuous houserules becoming more than the sum of their parts. It is precisely why I keep the houserules to an absolute minimum. But, unlike the houserule to allow "banking" feats, banking spells known will usually require a second...

The difference here is that you can't gain more powerful spells by waiting -- whereas you can gain more powerful feats through banking. You aren't making an end-run around the prerequisites. I don't think that there is generally a problem with waiting to aquire new spells known. As with any...

Well, I suppose if you do it twice it might be cheesy. But if you do it once, it *will* definitely make them stand up and take notice. And that's what you want to do, really -- make them feel like they've made a horrible mistake about once per level. So the way I figure it, you only have to...

I play by the rules in this case. I think that the Fighter loses too much power if you allow feats to be banked. In general the fighter gains access to the most powerful feats one or two levels earlier than the barbarian, paladin or any other class. In some situations it can be 3 or 4...

This is all too true, as a general rule. That is why Kits were fundamentally broken in 2e -- everyone chose a kit that gave up something they never intended to use in the first place (and there were enough kits out there that you could always find one). At least prestige classes have positive...

But why would you want *easier* access to some prestige classes, they are supposed to be difficult to qualify for and they are supposed to provide power at a cost. I really don't like this idea at all. If you want an Arcane Assassin prestige class make one up from scratch. Drop the sneak...

Except, as I noted earlier, if you are attacking for subdual damage then the sneak attack will be +Xd6 subdual damage. Any time that your accumulated subdual damage is greater than your current HP you fall unconscious. So you rack up 15 points of subdual damage on your opponent then drop...

Yeah it was a rule of thumb. So energy drain and ability damage (not just reduction) are also eligible for sneak attack, if I recall correctly. But the usual case is a damage dealing spell. You still have to sort out for yourself which comes first the spell or the unarmed strike damage, but...

The SRD only mentions AC. So I assume that that is all that is affected. If this doesn't quite sit right with you, just assume that what you lose in mobility for reflex saves, you gain in protection from actual damage so it all roughly evens out. (i.e. you can't duck and cover as quickly, but...

I think that there are three related questions at play here: 1) Can you deal sneak attack damage with a touch attack? The answer is "yes", but only if the corresponding spell deals damage, and you meet the conditions for sneak attack. As a rule of thumb, if you can score a critical hit with...