Jack99
Adventurer
Kung Fu panda...
I see your Kung-fu Panda and raise with a WoW Pandaren. Point proven.
Kung Fu panda...
I think it's kind of nifty, actually! He would lose his Monk unarmored AC bonus, though since techically he's armored (natural armor) at AC 11 in bear form.
Your AC would be 10+(animal form Dex mod)+wis mod, not the AC of the animal +wis mod.
No. Multi-class synergies have to make at least a little sense at my table, not just be the product of some weird interpretation of the rules as written. A martial arts bear. Seriously?
I would not allow it. The Martial Arts and Unarmored Defense abilities exist to model a martial artist performing specific styles of martial arts, which are optimized for the humanoid physique. Bears just aren't built to practice kung fu.