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Message: <blockquote data-quote="Mengu" data-source="post: 4694224" data-attributes="member: 65726">If sleeping in wilderness, I can see wearing armor, but for sleeping at an inn or an establishment, the characters probably would not be in armor of any kind. No one can convince me it's comfortable to sleep in your bed with full plate, gauntlets, boots, and a helmet on a hot and humid summer night. If there is going to be a fight where the PC's can't/won't be in armor or gear, I'd probably make some ad hoc ruling for an AC increase, like instead of Dex or Int, I could allow them to use their highest stat for AC and add a +1 to their AC for every 5 levels. So a 10th level fighter with 20 Strength would have AC 22 (maybe 23 or 24 wielding a chair as a shield), which would only be 2 or 3 points lower than their regular AC (maybe 4 if they upgraded to plate). Regardless, this will still be sufficient for them to do their job, at a bit of a disadvantage, but such is the life of an adventurer.</blockquote>