Right, let's not hijack this thread with an NPC class gear debate.
Thus, let's put this stuff in sblocks:
Jdvn1 -[sblock]
Jdvn1 said:
But maybe not way less of a challenge than a Bard.
Then again, maybe yes. Actually, certainly yes. Stat it up. You'll see.
Jdvn1 said:
And, anyway, 20 levels in a class rarely stacks up to a CR 20 creature. Or even a CR 19 creature.
Yeah. The ELH suggests lowering the CRs for NPCs. It's way worse with NPC class characters, though.
J said:
But the CR system works in a funny way, doesn't it?
Yep, absolutely.
J said:
I wouldn't say that the level - 1 thing is accurate, because I've never tested it.
I have. It's so far off it isn't even funny - except at the lowest levels.
But 1/2? You think a Com20 is at a disadvantage against a Ftr10? Or a Pal10?
That's not how CR works. Instead, you have to consider what is more dangerous to a level 10 party of four - a Com20 or a Ftr10.
If they're similarly equipped, the Fighter is the bigger threat (see below). Of course, if you give the Com20 the gear of a CR 19 character, he'll be stronger than he otherwise would be. But the same goes for the Fighter.
Com20 vs. Ftr10
Com20 gets nonelite stats. (Otherwise, +1 CR.) +5 points for level
Ftr10 gets elite stats. +2 points for level
HD
Com20: 20d4 (50 hp; would be 51 if he was an elite character)
Ftr10: 10d10, maximized at first level (59 hp)
High Con is a bigger advantage for the Com, as he gets more bonus hp from it.
BAB: the same
SV
Com 20: all +6
Ftr10: Fort +7, others +3
Skills
kinda irrelevant, though the Ftr gets Intimidate, which might come in handy
Feats
Com20: 7
Ftr10: 4 + 6 bonus = 10 feats total
WP/AP
Com20: one simple weapon P, no AP
Ftr10: All that isn't Exotic
I think you can see that it's close. The Fighter has a certain advantage, though. 1/2 is probably still slightly too high. 40-45% might be closer to the truth.
If we give this guy 170,000 gp (as for a CR 19 character), he's better off. I'd call the above about CR 9. Tons of gear would make it a 12, maybe. Unfortunately, 170,000 gp in gear is much too high a reward for a level 12 party so I wouldn't recommend it.
Even if it was a 14 or something (which it isn't), the reward is silly high.
In conclusion, if you apply the sparse DMG guidelines for NPC class character CR without thinking, you end up with a 'challenge' the PCs simply walk over.
If you reduce the CR without reducing the gear as well, the risk might be appropriate but the reward will be anything but; it will be much too high for the PCs' level.[/sblock]