At level 10 or less
-Heavy Armor 1-
Standard Array: STR 14, DEX13, CON 8 , INT 10, WIZ 12, CHA 15
Human +1 to all stats
Adjusted: STR 15, DEX14, CON 9 , INT 11, WIZ 13, CHA 16
Strength 15 for Plate AC18 and Shield +2 = AC20
Fighter lvl 1 (Requires Strength 13) - Character level 1
-Defense...