Upper_Krust
Legend
Hey there mate! 
You can't use Fine Size creatures for such a basis. Remember D&D is Medium-Size-centric.
If you assume the following:
Skin Type
Normal = +0
Leathery/Tough/Blubbery = +2
Scaly = +5
Carapace = +8
Size
Medium Size skin type x1, +0
Large Size skin type x1.5, +2
Huge Size skin type x2, +5
Gargantuan Size skin type x3, +9
Colossal skin type x4, +14
Then the reverse also makes sense.
Small Size skin type -2, divide by 1.5
Tiny Size skin type -5, divide by 2
Diminutive Size skin type -9, divide by 3
Fine Size skin type -14, divide by 4
eg. A Small character wearing platemail will only receive an Armour bonus of 4 NOT 8. Equally Dexterity would also be reduced by 4, NOT 8.
So nothing of diminutive or fine size will have (literal) natural armour good enough to absorb damage from opponents using the current damage rules (even if they wear platemail for their size it wouldn't prevent 1hp damage).
Even if you assume an ant is effectively wearing platemail (for its size) for the purposes of how we rate damage and armour it won't have any bearing when the game mechanics are medium size-centric!
Also a byproduct of size is:
Small Size +2 Dex
Tiny Size +5 Dex
Diminutive Size +9 Dex
Fine Size +14 Dex
I already admitted that was a hasty generalisation by me and that the properties of the skin would be more important than any cosmetic idiosyncracies.
I agree for the most, not sure about bones though.
Not sure I would agree there.
Firstly Wolverines skin is easily injured (his flesh is relatively normal) his two main features are Adamantium Skeleton (with claws) and Fast Healing.
Adamantium Skeleton: the easiest way of implementing this would seem to be to make him immune to critical hits!? Then again its a tricky one to decide upon.
Fast Healing*: maybe 10.
(*certainly not as good as the Hulks regeneration! I remember reading a story where Wolverine cut out the Hulks heart and the Hulk came back mere moments later and ripped his head off - or some form of dismemberment anyway, it was in a 'What If' comic)

Avatar of the North said:Here is why the insect wouldn't be faster without its armor. It would be dead. The armor of an insect is also it skeleton. Without its 'armor' it couldn't do simple function such as breathing let alone moving. All insects have Exoskeletons as opposed to humans that have endoskeletons. I also remember a small bit from biology class in high school (that has been long enough ago i wish could forget more of it, hehe) that some creatures with exoskeletons have joints constructed in ways that are just not terribly possible for creatures with endoskeletons (sorry can't remember specifics.)
This is why i'm against dex penalties to SOME creatures with natural armor.
You can't use Fine Size creatures for such a basis. Remember D&D is Medium-Size-centric.
If you assume the following:
Skin Type
Normal = +0
Leathery/Tough/Blubbery = +2
Scaly = +5
Carapace = +8
Size
Medium Size skin type x1, +0
Large Size skin type x1.5, +2
Huge Size skin type x2, +5
Gargantuan Size skin type x3, +9
Colossal skin type x4, +14
Then the reverse also makes sense.
Small Size skin type -2, divide by 1.5
Tiny Size skin type -5, divide by 2
Diminutive Size skin type -9, divide by 3
Fine Size skin type -14, divide by 4
eg. A Small character wearing platemail will only receive an Armour bonus of 4 NOT 8. Equally Dexterity would also be reduced by 4, NOT 8.
So nothing of diminutive or fine size will have (literal) natural armour good enough to absorb damage from opponents using the current damage rules (even if they wear platemail for their size it wouldn't prevent 1hp damage).
Even if you assume an ant is effectively wearing platemail (for its size) for the purposes of how we rate damage and armour it won't have any bearing when the game mechanics are medium size-centric!
Also a byproduct of size is:
Small Size +2 Dex
Tiny Size +5 Dex
Diminutive Size +9 Dex
Fine Size +14 Dex
Avatar of the North said:Also who is to say that natural armor should make you look like a freak.
I already admitted that was a hasty generalisation by me and that the properties of the skin would be more important than any cosmetic idiosyncracies.
Avatar of the North said:I'm of the opinion that its nor nessisarily just the skin type that makes up the natural armor but also the composition of the muscle tissue, bones, and other things under the skin as well.
I agree for the most, not sure about bones though.
Avatar of the North said:Look at Wolverine with that adamantine skeleton of his. I for one think that should give him some amount of natural armor.
Not sure I would agree there.
Firstly Wolverines skin is easily injured (his flesh is relatively normal) his two main features are Adamantium Skeleton (with claws) and Fast Healing.
Adamantium Skeleton: the easiest way of implementing this would seem to be to make him immune to critical hits!? Then again its a tricky one to decide upon.
Fast Healing*: maybe 10.
(*certainly not as good as the Hulks regeneration! I remember reading a story where Wolverine cut out the Hulks heart and the Hulk came back mere moments later and ripped his head off - or some form of dismemberment anyway, it was in a 'What If' comic)