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Message: <blockquote data-quote="Nyeshet" data-source="post: 3038715" data-attributes="member: 18363">I seriously doubt there could be a single "-x to CR" rule, for as you've already pointed out, some classes are hurt far less than others. A soulknife can create a notable weapon, so his wealth is presumed to go towards armor and protective items, a secondary weapon perhaps, and various utility items (ring of sustanence, boots of flying, a bag of holding, etc). A fighter, on the other hand is more or less limited by their choice of feats. If most of them dealt with the use of a weapon (WF, GWF, WS, GWS, Impr Crit, etc) then he'll be far more hurt than if they were more generalized (Impr Init, Comb Refl, Comb Expr, Dodge, etc). A wizard will be devestated unless they have recently prepared from their spell book - in which case they will not be notably affected for 24 hours. Some DMs I know allow unused spells to carry on into the next day without need of preparation - in which case the wizard will need to horde their unused spells as they do not know when or if they will have a chance to re-prepare them. If they have Spell Mastery the situation is not quite as bad. Note that clerics will need a holy symbol of their deity or they will be similarly devestated. Note that even Druids need a natural symbol (by the RaW a holly sprig) to cast their spells. Spontaneous casters - or those that prepare but do not need a book for doing so and do not need a focus to cast - such as Sorcerers, Bards, Paladins, and Rangers will not be as adversely affected at higher levels. All in all the penalty for having no equipment is too nebulous, to variable, to have a set rule for it. That doesn't mean that WotC doesn't or won't make one, of course. Personally, I would put it as at least -1 to CR, minus an additional 1 every few levels after first. Say, perhaps, ever 5-10 levels. So it would be at least -3 CR at level 20, but perhaps as terrible as -5 CR. Take a 20th level monk with full equipment. How many 20th level monks with no equipment are needed to defeat him with 20% loss of supplies (in this case collective hp I would presume)? Or do the same with the Fighter or the Rogue. That, I think, will give you a bench mark to shoot for. Then just presume the loss to CR is gradual over the levels, starting with either CR -1 or CR -0 at first level. Actually, at first level it probably does not matter. By second or third level I would expect to see a bit of a difference, however.</blockquote>

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