Hm ... are you certain about unarmed not working with TWF?
I did a little digging around. It seems you are right. Here is the official info from the 3.5 FAQ taken from the Wizards site:
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The description of the flurry of blows ability says there’s no such thing as a monk attacking with an off-hand weapon during a flurry of blows. What does that mean, exactly? Can the monk make off-hand attacks in addition to flurry attacks?
Actually, the text to which you refer appears in the entry for unarmed strikes. When a monk uses her unarmed strike ability, she does not suffer any penalty for an off-hand attack, even when she has her hands full and attacks with her knees and elbows, using the flurry of blows ability to make extra attacks, or both.
The rules don’t come right out and say that a monk can’t use an unarmed strike for an off-hand strike (although the exact wording of the unarmed strike ability suggests otherwise), and no compelling reason why a monk could not do so exists. When using an unarmed strike as an off-hand attack, the monk suffers all the usual attack penalties from two-weapon fighting (see Table 8–10 in the PH) and the monk adds only half her Strength bonus (if any) to damage if the off-hand unarmed strike hits.
To add an off-hand attack to a flurry of blows, stack whatever two-weapon penalty the monk has with the penalty (if any) from the flurry. Attacks from the flurry have the monk’s full damage bonus from Strength, but the off-hand attack gains only half Strength bonus to damage. If the off-hand attack is a can be used in a flurry at all, see the previous question). For example, a 4th-level monk with the Two-Weapon Fighting feat and a Strength score of 14 decides to use a flurry of blows and decides to throw in an off-hand attack as well. The monk has a base attack bonus of +3 and a +2 Strength bonus. With a flurry, the character can make two attacks, each at +3 (base +3, –2 flurry, +2 Strength). An unarmed strike is a light weapon, so the monk suffers an additional –2 penalty for both the flurry and the off-hand attack, and the monk makes three attacks, each at an attack bonus of +1. The two attacks from the flurry are primary attacks and add the monk’s full Strength bonus to damage of +2. The single off-hand attack adds half the monk’s Strength bonus to damage (+1).
If the monk in our example has two sais to use with the flurry, plus the off-hand attack, she can use both in the flurry (in which case she must make the off-hand attack with an unarmed strike) or one sai for the off-hand attack and one with the flurry. The sai used in the off-hand attack is not available for the flurry and vice versa.
Can a monk fight with two weapons? Can she combine a two-weapon attack with a flurry of blows? What are her penalties on attack rolls?
A monk can fight with two weapons just like any other character, but she must accept the normal penalties on her attack rolls to do so. She can use an unarmed strike as an offhand weapon. She can even combine two-weapon fighting with a flurry of blows to gain an extra attack with her off hand (but remember that she can use only unarmed strikes or special monk weapons as part of the flurry). The penalties for twoweapon fighting stack with the penalties for flurry of blows.
For example, at 6th level, the monk Ember can normally make one attack per round at a +4 bonus. When using flurry of blows, she can make two attacks (using unarmed strikes or any special monk weapons she holds), each at a +3 bonus. If she wants to make an extra attack with her off hand, she has to accept a –4 penalty on her primary hand attacks and a –8 penalty on her off-hand attacks (assuming she wields a light weapon in her off hand).
If Ember has Two-Weapon Fighting, she has to accept only a –2 penalty on all attacks to make an extra attack with her off hand. Thus, when wielding a light weapon in her off hand during a flurry of blows, she can make a total of three attacks, each at a total bonus of +1. At least one of these attacks has to be with her off-hand weapon.
A 20th-level monk with Greater Two-Weapon Fighting can make eight attacks per round during a flurry of blows. Assuming she wields a light weapon in her off hand, her three off-hand weapon attacks are at +13/+8/+3, and she has five attacks (at +13/+13/+13/+8/+3) with unarmed strikes or any weapons she carries in her primary hand. If the same monk also has Rapid Shot and throws at least one shuriken as part of her flurry of blows (since Rapid Shot can be used only with ranged attacks), she can throw one additional shuriken with her primary hand, but all of her attacks (even melee attacks) suffer a –2 penalty. Thus, her full attack array looks like this: +11/+11/+11/+11/+6/+1 primary hand (two must be with shuriken) and +11/+6/+1 off hand.[/sblock]
