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once you get about 21/22 AC, it is definitely a lot harder for enemies to land hits on you. You would still be subject to magical attacks that force you to do save rolls though.
I was playing real pen and paper and we came up to a big baddy. The DM had this as a plot character. He was far more powerful. But I was playing my paladin and right is right and wrong is wrong and evil is going to be dead.
So I forgo conversation and attack with everything I had burst wise for an alpha strike and my two handed magical death dealer.
The DM is like really? I’m like yeah.
Okay roll.
20.
DM is like well. Darn.
Roll again and I’m like okay. What’s up.
20.
Then the oh s,,T moment hits him. I buffed for max damage and I don’t even reminder what I had but it was basically a nuclear strike.
Everyone in the party is like what just happened?
I chopped off his head I said.
And that’s that.
I mean, assuming it is random. You could actually just be the unluckiest guy in the world.
hmmm, this might be a YMMV scenario then, when I was in the middle of chapter 2 with 22AC on my paladin, enemies miss a LOT when they attack him with attack dice. You could just be on a very very unlucky streak.
But yes. While you gained 20 AC, your enemies also became stronger and gained more bonuses to their rolls with proficiency and better enhancements to their weapons making their rolls easier.
Example from tabletop (I haven't bothered buying BG3 yet, as it'd probably run badly on my current computer and work's keeping me very busy anyway) -- basic CR 1/4 wolf, w/ +4 to hit and Pack Tactics. If two wolves gang up on the same target, they'll each be rolling with advantage (c/o Pack Tactics). Either will have a 43.75% chance to hit AC 20 with their bite.
Upgrade the wolves to CR 1/2 Thugs. Again, pack tactics and +4 to hit with their maces, but they have the Multiattack action for two attacks each per turn. Expected number of hits per turn from two thugs making four attacks at advantage vs AC 20 is 1.75.
Karmic die off = there is no artifical assistance to any of the rolls, so basically random. Kind of like rolling an actual die.