Kanegrundar
Explorer
I use the Armor as DR option. To allow lower damage dealers the chance to hit High DR creatures and foes I allow Criticals to bypass all armor but deal no more damage, feats that allow characters to bypass armor under specific circumstances, rogues bypass 1 point of DR every 3 levels with critical strike, and things like that. Magic armor bonuses drop the damage of offensive spells as well as providing magical protection.
Kane
Kane