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Message: <blockquote data-quote="Stormonu" data-source="post: 8160747" data-attributes="member: 52734">DM is the final arbiter, though a player has the right to point out if he thinks the DM is misinterpreting the rules.Like, for example, if the DM went with #2 or #3, the player could point out the Con save is only for keeping hold of the item, and armor doesn't just "drop off" by itself.  If you heated a metal armor (such as chain, certain scale armor or plate), and you haven't gotten it off when damage is caused, you'd suffer the disadvantage.  If the DM decides to stick with his ruling despite that, then that's how the DM has decided to run his game, and now everyone knows.(BTW, I do despise the lack of save for Heat Metal and think that using it against worn/carried items should give the target a save)</blockquote>