Crothian said:
If a character really tries to max out wisdom it can become more so. And even if it isn't, as I've stated the mechanic is just bad. In your examples sure a character can get a higher AC bonus from armor and shield by spending a lor more money. THis item you don't need to spend money, it grows with you. So, the belt that gives the Wis 30 guy a +11 bonus still only costs 13,000 and Leather +4 and a shield +3 costs almost double. And along the way one either has to be able to craft the new armor, find it or in some campaigns be able to buy it. THe guy with th e Belt doesn't have to do that.
Did you actually read my example?
The +3 leather armor and +2 shield guy has MORE AC for the exact same price until 16th level when it becomes the exact same AC (and then only if the Druid with the Monk's Belt casts Owls Wisdom).
And, how EXACTLY does the guy with the Monk's Belt get it without having to craft, find, or buy it?
I understand the fact that the AC grows, but you seem to not understand that the AC you get from it (above the point you acquire it) is trivial at best. Attacks gain +1+ to hit every level. You only get an extra Wisdom bonus every 8 levels. 1/8 AC per level growth is extremely non-sequitor.
The Druids AC due to the Monk's Belt increases +1/8 per level due to Wisdom increases. The opponent Fighter's to hit also increases +1/8 per level due to Strength increases. This is a wash. Sure, the Druid might get a Periapt of Owl's Wisdom, but the Fighter might get a Belt of Giant Strength, better magical weapons, and does get +1 BAB per level.
If you were playing a Druid, would you use a Monk's Belt for less AC at lower levels, or would you try to find magical armor and/or shields to give you a better AC?
Quite frankly, a Druid with a Monk's Belt has a low chance of survival compared to the Druid with the +3 Leather Armor and the +2 Shield.
And if you have a problem with a Druid gaining +1 AC / 8 levels with a Monk's Belt, do you also have a problem with a Rogue gaining +1 AC / 8 levels due to his Dexterity increasing?