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Message: <blockquote data-quote="Mokona" data-source="post: 3647913" data-attributes="member: 24891">Armor EquipmentCharacter level + D&D armor bonus + magic armor bonus = craziness for fighters (who in Saga can stack 50% of their armor bonus)!As noted character level > D&D armor bonus means most high level characters won't wear armor under Saga rules (unlike Dungeons & Dragons).Potential solutions include...Move most of the benefit of armor over to Fort Defense where it always stacks with character level.  Then you have to make sure average damage is neither too low nor too high using staple fantasy weapons, Giant monsters, and level 9 spells (versus level appropriate Fort Defense values).  This is like the Unearthed Arcana rules for "Armor as DR".  Rogues and Wizards probably won't wear armor (which fits the theme of D&D ignoring silliness like mithril breastplates) and fighter/clerics can still get fort bonuses from armor even if (for the cleric) the reflex bonus is less than their level.Lower armor bonuses significantly (light = +1, medium = +2, and heavy = +3) so stacking armor with level isn't busted.Significantly lower the penalties for wearing armor so even if you don't get the benefits of reflex defense (because your character level is higher) you don't pay much for the other benefits of wearing armor.Consider the impact of shields (buckler, light, heavy, and tower) on Reflex Defense.Remember, since more monsters are published for core d20 rules than these rules a Dungeon Master will want to use them without worrying about conversion.  Monster to hit values are based on armor with magic defense bonuses.</blockquote>

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