Oh, heh, whoops. Didn't mean to get ahead there, Insight. Disregard.
A bit of crunch meets a bit of fluff. Let's look back at the 'everyone and their dog takes cloak of disruptions/survival' discussion and embrace that. Say that we all recieved these cloaks as a gift from some grateful King or atonishingly wealthy tailor and all take one or the other as our neck slot item. .

(Dungeons & Dragons)
Rulebook featuring "high magic" options, including a host of new spells.