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Message: <blockquote data-quote="Jack Simth" data-source="post: 3455333" data-attributes="member: 29252">It's just one of those things.If you want to be an AC monkey, even for the group where Wisdom is going to be pumped up anyway (Clerics, Druids) the belt, due to its monetary price and opportunity cost (can't use either armor or shield).With the price (13,000 gp), it's comperable to, oh, Mithral Fullplate (10,500 gp) (with some caveats - Monk's Belt applies to touch AC as well, for instance, but Mithral Fullplate works even if you are rendered unable to move).  Enchanting the fullplate costs the same as Bracers of Armor, so we'll ignore the magic aspect beyond what's listed.Now, with Mithral Fullplate, you've got a maximum dexterity modifier of +3, and an armor bonus of +8, for a total AC increase of +11; if, for whatever reason, you don't take a shield anyway, then if your Dexterity Modifier + Your Wisdom modifier equals or exceeds that +11, the Monk's belt is superior.  If you can use a shield, then you need to add +1 to +5 to that number (mundane buckler to a +1 Tower Shield) for what you're not getting from a shield - and that's before items to increase your stats; the +1 Tower Shield costs only a little over a thousand, while the Mithral Fullplate costs 10,500 - with both, you're still below the cost of the Monk's Belt.That said, Clerics and Druids can do that, as can rogues and some arcane spellcasters ... but mostly only because they're pumping either Wisdom or Dexterity anyway.  They can't usually pull it off until at least 10th, though.</blockquote>

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