Fanaelialae
Legend
Thanks for the input, folks.
I'm going with my gut, nonetheless: Rulings, not rules, and as such AC derived from Unarmored Defense (and ability scores/similar sources) is dependent upon one's ability to use their reaction as a part of self-defense.
Natural Armor and worn armor do not require one to use their reaction as a part of self-defense.
Advantage still applies to surprise attacks.
This goes for the goose as well as the gander.
Official 5E may have done away with flat-footed but that was a mistake, in my view.
This goes beyond the scope of a ruling since the rules are pretty clear on the matter. It's a house rule, which is the kind of thing that ought to be stated before a campaign starts (because it does change the balance of certain classes). For example, it basically makes Alert a feat tax for classes like the monk, unless the monk player likes the idea of getting annihilated during a surprise round.
The monk is a supernatural class. It isn't hard to imagine that even when they can't see an attack coming they can still perceive the attack at the last moment via sixth sense and try to twist out of the way. That's a staple of the martial arts movies the monk is based on.