Okay, there's one thing that's always niggled me about D&D in any shape or form, and that is shields. In true combat (real life stuff
), shields are a very effective form of protection. However, in 3.5 I don't think they still fully address the problem.
The Buckler and Light Shields give AC +1 and -1 penalty. The buckler costs 15gp, and the other 2 light shields 3gp and 9gp. The 2 heavy shields give +2 to AC and -2 penalty, and cost 20gp and 7gp. Now, I know the steel ones cost more because they have a better chance of surviving a SAVE against fireballs, etc. Then there is the Tower Shield: +4 and -10. Now, I don't know about your campaigns, but these stats don't give a lot of incentive for PCs to purchase shields. Some do, I know, but I also know people would sometimes rather get a two-handed weapon in their grips then receive an Armour Check penalty for the sake of a shield.
Personally, I think it could be something simple like this:
Light Wooden shields cost 5gp (+2 AC; -1 penalty)
Light Steel shields cost 10 (+2 AC; -1 penalty)
Heavy Wooden shields cost 15 (+4 AC; -2 penalty)
Heavy Steel shields cost 30 (+4 AC; -2 penalty)
(For every 2 points of AC bonus the wielder has -1 AC penalty check...this could be used as a guideline when creating/introducing other shields.)
A Tower Shield is a specifc type of shield and is a flat 90gp for a wooden version, and a flat 150gp for a steel version. The AC bonus is +8 (have you ever seen these things!?
) and an armour check penalty of -4.
Of course, there are feats that can offset Armour Check Penalties, and that's fine. I think the incentive should be for the PCs to get a shield - or, at least some of them. How many pics do we see of fighters etc with shields in the D&D books but rarely do we (in my experience) have PCs who purchase/use them?
Now...all of this is just off the top of my head, so feel free to rip it apart, make suggestions, etc

The Buckler and Light Shields give AC +1 and -1 penalty. The buckler costs 15gp, and the other 2 light shields 3gp and 9gp. The 2 heavy shields give +2 to AC and -2 penalty, and cost 20gp and 7gp. Now, I know the steel ones cost more because they have a better chance of surviving a SAVE against fireballs, etc. Then there is the Tower Shield: +4 and -10. Now, I don't know about your campaigns, but these stats don't give a lot of incentive for PCs to purchase shields. Some do, I know, but I also know people would sometimes rather get a two-handed weapon in their grips then receive an Armour Check penalty for the sake of a shield.
Personally, I think it could be something simple like this:
Light Wooden shields cost 5gp (+2 AC; -1 penalty)
Light Steel shields cost 10 (+2 AC; -1 penalty)
Heavy Wooden shields cost 15 (+4 AC; -2 penalty)
Heavy Steel shields cost 30 (+4 AC; -2 penalty)
(For every 2 points of AC bonus the wielder has -1 AC penalty check...this could be used as a guideline when creating/introducing other shields.)
A Tower Shield is a specifc type of shield and is a flat 90gp for a wooden version, and a flat 150gp for a steel version. The AC bonus is +8 (have you ever seen these things!?
![Devious :] :]](http://www.enworld.org/forum/images/smilies/devious.png)
Of course, there are feats that can offset Armour Check Penalties, and that's fine. I think the incentive should be for the PCs to get a shield - or, at least some of them. How many pics do we see of fighters etc with shields in the D&D books but rarely do we (in my experience) have PCs who purchase/use them?
Now...all of this is just off the top of my head, so feel free to rip it apart, make suggestions, etc
