Originally posted by RigaMortus
First off, Monks can not wear armor. If they do, they lose some of their Monk abilities.
Not a problem. Just because it holds an enchantment like armor and takes the same slot as armor doesn't mean it has to count as armor. I know, you're thinking something about quacking like a duck, and I phrased it badly in the first post, but look at it the other way:
We say that there is one "body" slot. (see NWN). It can be filled with armor, enchanted clothing, or a robe. So, we say that something only counts as "armor" if it comes with a nonmagical armor bonus for the purposes of Monks, Druids, etc. The true armors require proficiency, give an armor check penalty, and so on.
You can wear multiple things in this slot (robe over armor over shirt), but only the outermost layer gives its magical effects (see Psychoactive Skins, PsiHB).
Then you have to ask, what type of armor would Robes, bikinis, etc be considered? Probably Light.
Only if you assume that the only options are Light, Medium, and Heavy. Given the rule change above, there clearly must be another category, "None", that robes and clothing fall into. No Max DEX, no armor check penalty, no appreciable weight, no armor bonus, no proficiency needed.
Not sure how Druids would be affected by this. Maybe not at all.
Depends whether you consider the chainmail bikini to be metal armor with a +0 armor bonus, or clothing. Can a Druid wear a metal belt? How about a helmet? Personally, I'd say that as a metal item the Druid shouldn't wear it, but you could make a leather bustier that does the same thing.
a Druid couldn't wear a cotton shirt because it is considered armor and they can only wear specific armor
Which is why I rephrased the rule above. A shirt isn't armor, it just occupies the same "body" slot that armor does, the one that 3E refers to as the "armor" slot. I don't think all Druids are supposed to run around naked, after all.
And how would stacking work with this? I can see someone wearing a cotton shirt under a chain shirt, and then a Robe over that. So could they potentially get each piece of "Armor" enchanted with special abilities?
You can already do this in 3E. This is one of the things I'm trying to avoid. No more wearing a vest under your armor with a robe over it.