Considering that a full plate and tower shield fighter with no magic items at all and 12 Dex has 23 AC, I would say that your 'munchkin' limit is probably too low, though not by too much. Low 30s is doable, but anything much higher requires unusual combos or form changes.Sammael said:It should be anywhere between 22 and 29, from my experience. More than that is munchkinism (as equal CR opponents have no chance whatsoever of hitting the character), less than that is suicidal (as he is getting hit all the time by creatures of CR four less than his level).
Rystil Arden said:Considering that a full plate and tower shield fighter with no magic items at all and 12 Dex has 23 AC, I would say that your 'munchkin' limit is probably too low, though not by too much. Low 30s is doable, but anything much higher requires unusual combos or form changes.
10th level fighter with default PC gold can afford +2 Full Plate, +2 Shield, +2 Ring of Protection, +2 Amulet of Natural Armor which grant AC 29 with Dex of 12.
I think by L10 AC is starting falling behind common attack bonuses, which I find depressing. Basically, unless you choose your character classes for the AC bonuses (bad luck if you wanted to be "well rounded") they give you, you are going to get hit regularly. Often for big chunks of your max hps.