Rest in safe places.
I hope that was helpful.
Do you have any idea of how many adventures where this simply isn't an option?
Improvising a bit, I would say that sleeping in light armor has no consequences (at least for a few nights), but sleeping in heavy armor requires an endurance check: failure means you start the next day with one less healing surge.
Part of the problem with that is that sometimes the "party" makes decisions that some members don't like. For example, in our last adventure the rest of my group decided that we were taking an extended rest inside the dungeon using some back room. I repeatedly voiced my concerns and said we should either press on, or leave the dungeon. They didn't agree, so we rested there. Under your rules I would've been screwed when we got ambushed (which we did right as the adventure ended. Our next session will actually be playing the ambush encounter) because I would've had to take my armor off. Either that, or I could've passed up the Extended rest entirely...but that's not a great choice either.Probability of a midnight ambush would depend on how well the party prepares... If they hole up pretty well, hide their position, keep quiet and setup a guard rotation, their chances are low... However an adventuring party that decides to sleep in the middle of a corridor without any guard or preparation deserves what they get!
Even if you went a couple levels down, you still run into the same problem. Certain classes will be almost guaranteed hits, and others will fight quite effectively. If you went, say, 4 levels down, the monsters should have 4 less to hit...give or take. So that level 16 Abyssal Ghoul with the +21? That would become a +17. It's still basically a guaranteed hit on the non-DEX PC's (2+17=19, against AC 18. They'd only miss on a 1.) but it does compare more favorably with the high DEX PC's as they have an AC of 24 (hitting on a 7, as opposed to a 3).Edit (after reading Doctor Proctor's post): I haven't yet tried Paragon or Epic play, but how about making the ambush a "wolfpack" type of encounter with 4 minions and 3 skirmishers, all of them of one or two levels below the party?
Summoned Armor Level 6+
One need never worry about being caught unarmored while
possessing this extraordinary armor.
Lvl 6 +2 1,800 gp Lvl 21 +5 225,000 gp
Lvl 11 +3 9,000 gp Lvl 26 +6 1,125,000 gp
Lvl 16 +4 45,000 gp
Armor: Any
Enhancement: AC
Power (At-Will): Minor Action. You banish this armor
to a secure extradimensional location. At any point in
the future, unless you are wearing armor, you can use
another minor action to recall the armor. The armor
appears on you as though you had donned it normally.
Yes, I have.
It's not bad. Kind of like having a blanket wrapped around your torso, only. And it keeps the rocks from poking you in the back. It is rigid, meaning you can't curl up if that's your inclination, and the layer around the torso makes it difficult to keep the body evenly insulated (causing some odd cold spots / warm spots). Still, I've had many an hour of sleep in armor.
Helmets are great. They're like a pillow that's strapped to your head. No complaints at all about sleeping in my helmet.
In my experience (2000 to 2003), the drawbacks are mostly psychological. Your hindbrain doesn't fully relax while you're wearing armor, so the sleep isn't quite as good as what you get when you're in a safe bed back home. Nor is it quite as good as what you get curled up in a sleeping bag with no armor on. Still, even that's not really a problem for the first three weeks or so.
I hope that was helpful.
experience >>>>> long theoretical arguments
Modern body armor !=plate
I've worn chain enough to know that I could sleep in it, though the sleep would suck (not proficient either). I strongly suspect plate is a lot worse.

(Dungeons & Dragons)
Rulebook featuring "high magic" options, including a host of new spells.