Nightfall: I didn't think you said anything of the sort (at least in this thread). My comments were replies to other posters.
Gone looking. Oh, there it is. you said:
Nightfall said:
BUT if you have to start using say, Diplomacy checks or some other Cha based skill, that penalty WILL start to hurt after all. That's why I think the skill checks make having decent ie non-low or less negatives work more for ability modifiers/penalties. Admittedly it's not a serious penalty like attack rolls, but then again saves might work just as well. (Specific saves not to all saves.)
There is a big problem whenever you force the DM to alter their campaign to balance the items, which is what you suggest. Normally a fighter doesn't do diplomacy - that's the job of the Bard, Cleric or Paladin. Artificially requiring the fighter *to* handle the diplomacy isn't good.
WoL has various penalties for various items. They include:
* Attack Penalty
* Save penalty (all saves)
* Save penalty (one save)
* Skill checks (all skills)
* Skill point loss
* Hit point loss
* Caster level loss
* Spell slot loss
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One thing that just came to me: the penalties are XP loss in disguise.
They're somewhat similiar to having a Level Adjustment in reverse; but they aren't quite so vicious. For spellcasters, -2 caster levels and loss of a spell slot per spell level (normally up to two levels below their maximum) isn't really that bad - they're not losing their top spells at all.
Fighters, with HP loss and Attack penalties are effectively a few levels lower... but they keep their bonus iterative attacks for high BAB - and the plus of the weapon tends to make up for the loss attack bonus. Normally.
It's basically like a Level Adjustment - or those Monster Classes - in reverse.
There are several items that only impose a -1 on attacks, but hit skills or spells instead.
Cheers!