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Message: <blockquote data-quote="Ridley's Cohort" data-source="post: 1110783" data-attributes="member: 545">As a practical matter you will never ever see SuperSaveMan at levels 1-10 -- you will never have enough cash unless you totally ignore offense.  It also means you are going light on utility items like Winged Boots that are more likely to save your life.  Yes, you may make all your saves vs. poison, but the collosal scorpion will still eat you.It is plausible to get a pretty good stacking up towards level 15.  In my book, those are 'epic' characters that should rarely be snuffed out by a single spell.Note that we are talking about PC superstacking in most cases because NPCs have much less wealth.  Is it really a problem if a PC chooses to maximize defense?  Seems like a valid path to me.IMNSHO the very last thing I would ever complain about as a player is an NPC that has spent most of his limited resources on strong defenses.  There are far more troublesome options available to the DM.(Slight aside...)  As someone who plays a wizard, I really do not have any problems with the save system as is.  (I never thought much of Spell Focus even in 3.0.)  My only complaint is I think that SR should be removed from the game.  But that is not usually an issue when dealing with character classed NPCs.</blockquote>