Betote said:A 3.5 level 7 fighter is assumed to have a +1 full plate, heavy steel shield, masterwork melee and distance weapons and 2.300gp in cash or assorted secondary items (or, at least, my DMG says so). So, if I wanted to get rid of magic items on my 3.5 games, I should make the oh so big effort of adding +1 to the level 7 fighter's AC and BAB.
That's what an NPC fighter is expected to have. PC fighters are expected to have considerably more (total up that list of gear, you'll see it's way less than the recommended wealth by level for a 7th-level character). NPC magic items are designed to make them a good challenge for PCs, not to let them take on PC challenges.
(Of course, the DMG lies. NPCs with the listed items are not in fact a good challenge for PCs, more of a speed bump, unless you give them crazy ability scores to make up for it. But there you are.)