Definately bed made, lie in it
My current 9th level rogue has a 24 AC thanks to a +1 Mithral Chain Shirt ( 2100 gp) and a +1 Mithral Heavy Shield (2020 gp), which is a pretty small part of a 9th level character's finances in most games. Neither item has an armor check penalty. If she legitimately can't aquire magic items of even this low a power level at the same time she managed a +20 reflex save, then perhaps the blame on such a low AC doen't lie with the player...
Either way, I still would in no way allow the reflex save to modify her AC. As other people have said, tumble and full defense also do wonders for ones armor class.
My current 9th level rogue has a 24 AC thanks to a +1 Mithral Chain Shirt ( 2100 gp) and a +1 Mithral Heavy Shield (2020 gp), which is a pretty small part of a 9th level character's finances in most games. Neither item has an armor check penalty. If she legitimately can't aquire magic items of even this low a power level at the same time she managed a +20 reflex save, then perhaps the blame on such a low AC doen't lie with the player...
Either way, I still would in no way allow the reflex save to modify her AC. As other people have said, tumble and full defense also do wonders for ones armor class.