Quasqueton said:Without this option, a tank fighter must either buy and carry around an extra suit of armor to sleep in and to wear about town, or be AC 10 for that night ambush or street mugging. But the high-dex rogue, archer, ranger, barbarian, etc. can all have AC 18 twenty-four hours a day, with penalty.
And that's precisely the point. The tank fighter has traded str/con for dex; the rogue can't take the hits that the tank fighter can take; the ranger isn't as effective a fighter, etc.
It all depends on how realistic you're making your campaign; I'd be willing to let the fighter sleep in the padding without penalty, but that's it. Unless the armor was specifically enchanted otherwise, I cannot imagine a way that wearing chain or even leather elements would be comfortable enough to allow rest.