ORDER OF OPERATIONS (Adjudicating Hits & Misses):
Did that miss bounce off your armor? Did it deflect away because of your magical ring of protection? Or did your Dodge feat give it the key push you needed? When it is necessary to tell exactly why an attack missed (was it caught by a shield of weaponbreaking?), assume the following “order of operations” applies (each step essentially coming closer to actually landing the blow on the target):
Cover takes a blow first.
Insight is next; the target isn’t even there.
Luck is next; the blow suffers the vagaries of fortune.
Deflection is next; the attack sheers away from the target.
Dodge is next; the character dodges out of the way at the last second.
Dexterity (or other ability modifiers that apply, such as wisdom for a monk) is next; the target ducks or twists away from the blow.
Size is next; the blow would connect, if only the target was 6” taller!
Sacred is next; the blow fails due to divine providence.
Nameless bonuses from Combat Expertise, fighting defensively, etc. are next; sheer skill turns the blow aside.
Shield is next; the blow is caught on the shield.
Armor is next; the blow lands, but armor deflects it.
Natural Armor is last; the blow doesn’t cut deep enough to do significant damage.
Example: Jojo Flapjacks, a halfling (+1 size bonus to AC), wears a chain shirt (+4 armor bonus), has a buckler (+1 shield bonus), wears a ring of protection +3 and has a dex bonus of +4 (for a total AC of 23). An enemy’s modified attack roll results in the following:
23+: hit.
22-19: miss (caught on armor).
18: miss (caught on buckler).
17: miss due to size.
16-13: miss due to dex.
12-10: miss due to deflection.
9 or lower: clean miss.