Hussar said:Not really. The only difference at 7th level is 2 points of AC. The biggest difference at all will be 10 points, as far as armor is concerned. Emrikol is correct that PC's will almost always get hit anyway. At least with the primary attacks. The only real difference is how much power attack the monster can dump in.
As I said, up to about 10th level, the differences are very, very minor. After 10th the ball game changes.
Clearly your game is different from mine! I find 2 pts of AC is more typically 'hit on 16' vs 'hit on 18', which makes a huge difference vs multiple foes. Or with 3.5 Power Attack that's 4 more damage each attack. But I agree it's above 9th level that the difference really kicks in.