By Fumble do you mean 'always miss on a one'? If so, it isn't always the same chance. It's just that success rate can't go past 95%. Unless the targets' AC is very low, the 10th level Fighter should have a better hit chance than the 1st level. Same thing happens at the other end. With very high target AC, both fighters have the same 5% hit chance.
Err... a 1 in a d20 is always the same chance. 5%. If success rate can't go past 95%, then you have 5% chance to miss, regardless of your level of expertise.
Agreed about fighting a lvl40 god, but that doesn't happen often. Encounters tend to be balanced. How come a lvl5 fighter against a minion has 5% chance of complete failure, and a lvl10 fighter against the same minion also have a 5% chance of complete failure.
To me it doesn't make sense. It might not be a big deal (is not, you're right there) but it still doesn't make sense to me...![]()
What I would like to have is a system in which I can create a simple character in whatever class I choose, without loosing balance if other members of the party are playing complex characters. If I have a novice player arriving at my party and that player is interested in playing a wizard, I would like to be able to provide a simple character that then she’ll be able to develop and increase its complexity.
...
We need a skills system that will allow for the creation of both simple and complex characters in whatever class that will remain balanced with the rest of the classes.
You don't have a 5% chance to miss, regardless of expertise. You always have at least a 5% chance to miss. That's very different. Chances are, the lvl5 will have a greater chance to miss than the lvl10.
In a "balanced encounter", a lvl 5 would have a greater miss chance than a lvl10. What's the problem?
I think you're getting too hung up on the "complete failure" notion. Missing on a 1 is exactly the same result as missing because your die result plus attack bonus didn't reach the target AC. Neither is any more "complete" than the other. A miss is a miss. A natural 1 is not a "fumble", or any other special kind of miss, unless you are using rules that have never been standard D&D.