fe.settings:getUserBoardSettings - non array given[tulpa] - Endchan Magrathea
Joy the DM
No. 5507 [Open] [Reply]
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 >>/5504/

If you want, you can have 9AC base if you're naked. It's not a bonus.

Then if you're wearing at least a padding layer in addition to clothing and underwear you can have +1 basically 3 layers of clothes should be 11AC base. Then add the armor, and DEX and other bonuses