Alejandro said:
What should be the CR of a 10th level monk without equipment? How about a paladin? How should templates affect the CR?
I think I should drop the CR of the monk (or any other "self-sufficient" type) by a third (to 7) and the paladin (or any equipment-dependent type) by a half (to 5). I think that templates, because they're external to the character, should add their CR modifier afterwards.
What do you think? Did I overlook a guideline?
This is actually a place of debate between myself and several of my gaming friends. I think that the character's wealth directly affect his or her EL/CR. The amount that it affects the particular character varies by their class.
A fighter without any gear is going to be considerably weaker than a monk or paladin without any gear (in most situations). A cleric without any gear can function at about 75%, a fighter somewhere near 40%, monk 75-80%, wizard (without spellbook) 10%, paladin 50-60% (varies by level), etc.
The same can be said for any PC/NPC/Creature with more than their share of loot. A fighter with a +4 weapon, +5 ful plate, blah blah blah, is much more dangerous than the same fighter with a non-magical weapon, non-magical banded, and a backpack full of waterskins. Also, do not confuse, GP value of items with actual worth. A fighter with a 100k value spellbook is not the same as that fighter with 100k worth of armor and weapons.
The CR/EL system has a lot of variables that must be considered when you are "doing the math".
Cameron Guill
co-Author of "A Question of Honor: A Guidebook to Knights"
Alea Publishing Group
AleaPublishing.com