Hold onto that state of being impressed, Crimson - you're about to be floored:
Monk(2)/Cleric(3)/Mystic Wanderer(1)/Fighter(4)/Duellist(10). Specifically, a Winged Insectile Halfling, with
Bracers of Armor (+10), five
+5 daggers of defending, a +5 buckler, and a ring of protection (+5). This character is 20thlevel, at ECL 25.
- Monk(2): Wis bonus to AC. With a Monk's Belt, and the Monk's Tattoo's from Magic of Faerun, you also get the inherent AC bonus of a 10th level monk - which is +2.
- Cleric(3) is solely to satisfy the entry requirements for Mystic Wanderer
- Mystic Wanderer(1) gives you your Charisma modifier as a sacred or profane bonus to AC whenever not wearing armor
- Duellist(10), when fighting defensively and using Combat Expertise to the max, gives a 17-point Dodge bonus to AC - and your INT bonus to AC at all times
- the Insectile template gives two extra pairs of arms, with which to wield additional +5 daggers of defending;
- the "Winged" template gives a bit boost to Dexterity, and a decent bonus to Wisdom too;
- Halflings are Small, and get a +1 to AC for their size, and a +2 to dexterity as well.
Assuming three 16's and one 17, before racial modifiers ... you should (between books, levels, and +6 items) be able to get Dex(34, +12)/Int(30, +10)/Wis(30, +10)/Cha(30, +10). Thus yoru Armor Class is:
- 10 base
- +12 from Dex
- +10 from Int
- +10 from Wis
- +10 from Cha
- +2 from Monk
- +10 dodge, from Duellist
- +1 dodge, from the feat of the same name
- +2, fighting defensively
- +5, from combat expertise
- +10, from bracers
- +6, from buckler
- +25, from defending weapons
- +5, deflection
- +1 insight (ioun stone)
- +1 from being size Small
This totals to an AC of 120; Touch AC is all of 10 lower, for 110. Add in a Rune of Holy Star for +10 more, rune or potion of Barkskin (+5 more), and those become 135 and 120, respectively.
And all this with only a -7 to hit! Heh.
Shield provides a +4
shield bonus - welcome to 3.5E D&D.
And Magic Vestment produces an Enhancement bonus
to the unerlaying armor value. Cast on normal clothes, the clothes go from a +0 armor bonus to a
+5 armor bonus. The +5 armor bonus form yoru shirt will not stack with the +10 armor bonus from your Bracers of Armor.
"Enhancement bonus to armor" is
not synonymous with "enhancement bonus to AC".