Elder-Basilisk
First Post
I played in a game like that recently. My 7th level character would push his AC to 32 or 36 and the monsters were still hitting on a roll of 2. It was very dissatisifying--especially since I was passing up a lot of damage potential (wielding a dwarven waraxe one-handed with a shield instead of going for broke with a greataxe or greatsword) in order to get a good AC. Every now and then we'd run into a group of 8 fourth level orcs or something and we'd be able to take them but that was about it.
This is what I would do in your situation:
1. Get some protection. Even if your DM were using standard, by the book creatures, you'd be getting creamed with a 19-21 AC. My recommendations: 1. +2 armor. It's fairly cheap and will help a lot. 2. Either a +1 ring of protection (if you can rarely anticipate your combats or get the cleric to cast magic circle vs. evil (or law or whatever you tend to fight) on you if you can guess when you'll fight to +/- 1 hour. 3. Get +2 gloves of dex to max out your AC bonus from dex. The reflex saves and init bonus will occasionally help too. 4. Get the druid to cast Barkskin on you when he can (and if there's a druid) or start casting it yourself (if you've a fair number of ranger levels). 5. Get an amulet of health. You won't be able to stop all of the hits anyway (your goal should be getting the tough monsters to where they need to roll a 9+ or so to hit you. That way, they can't really afford to power attack and their secondary or iterative attacks will often miss. The amulet of health will help you absorb the hits more than an amulet of natural armor would help you stop them.
If you decide to drop big gp on defense, I'd get a minor cloak of displacement (and get a vest of resistance instead of a cloak then) instead of upgrading your fullplate to +5. For the same cost, the cloak will probably help more. Consider buying fortification on your armor too. (Or put it on a +1 buckler. It'll cost you one point of attack bonus when you use your greatsword, but that's often worth it). Crits are deadly and your low AC will mean that you will always be vulnerable to them.
This is what I would do in your situation:
1. Get some protection. Even if your DM were using standard, by the book creatures, you'd be getting creamed with a 19-21 AC. My recommendations: 1. +2 armor. It's fairly cheap and will help a lot. 2. Either a +1 ring of protection (if you can rarely anticipate your combats or get the cleric to cast magic circle vs. evil (or law or whatever you tend to fight) on you if you can guess when you'll fight to +/- 1 hour. 3. Get +2 gloves of dex to max out your AC bonus from dex. The reflex saves and init bonus will occasionally help too. 4. Get the druid to cast Barkskin on you when he can (and if there's a druid) or start casting it yourself (if you've a fair number of ranger levels). 5. Get an amulet of health. You won't be able to stop all of the hits anyway (your goal should be getting the tough monsters to where they need to roll a 9+ or so to hit you. That way, they can't really afford to power attack and their secondary or iterative attacks will often miss. The amulet of health will help you absorb the hits more than an amulet of natural armor would help you stop them.
If you decide to drop big gp on defense, I'd get a minor cloak of displacement (and get a vest of resistance instead of a cloak then) instead of upgrading your fullplate to +5. For the same cost, the cloak will probably help more. Consider buying fortification on your armor too. (Or put it on a +1 buckler. It'll cost you one point of attack bonus when you use your greatsword, but that's often worth it). Crits are deadly and your low AC will mean that you will always be vulnerable to them.