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No, she isn't and has never worn any armor. I am familiar with how max dex and armored works. No matter how much I boost her dex, she never gets the boost to AC or the corresponding stats. Her ability scores get the adjustment but it doesn't get calculated into anything else. So weird. I have never seen this happen anywhere else.
Ha! Yup.
And for casting in armor (only for arcane casters):
This means any armor with a 0 armor check penalty and no spell failure can be worn by a wizard or anybody...because it does nothing to you. The game did not explain this clearly and just flagged armors as unwearable vs. making you eat the penalties. Except the Haramaki, which is one of those armors with no spell failure % and no armor penalty.
The funny thing is one of the other ones, Silken Ceremonial Armor, is not even in the game even thought it is the far more common armor. Oh and here are the stats for the two armors:
All quotes from:
https://www.d20pfsrd.com/EQUIPMENT/armor/
The ability for wizards to wear haramaki in this game is more likely an oversight on the developers part than anything else.
As for the haramaki being the problem in this case, it shouldn't be. As far as I know, the haramaki doesn't have a max dexterity bonus rating. It shouldn't be interfering with Cat's Grace at all. Now Cat's Grace provides an enhancement bonus to Dexterity, and the stat enhancing belts also provide enhancement bonuses. Bonuses of the same type don't stack, so that may be what is causing the issue.
An armor's max dexterity bonus also only has an effect on your armor class. The max dex bonus stuff has no effect at all on any other dexterity-related things like ranged attack rolls or reflex saves. If Cat's Grace is truly having no effect on anything dexterity related as the OP said, it can't be because of an armors maximum dex bonus.
I am just saying I wish I could cram the haramaki and other armors with 0 penalty on monks and the like. I just have plenty of other magical armors that get their check down to 0 that I should be able to slap on Ember or the like.
And yes, if this was working as rules the game is based on.... no max Dex means no max dex...and the dex limit only applies to AC...not to things like initiative or your to hit with range weapons. Again I get you need to adapt the table top...but I don't like we are left with something worse than the table top.
Nor does it make sense why armor causes spell casting to fail.
The only reason why people in real life wouldn't have worn armor is because they couldn't afford it.
If spells require precise motions (which is the case for some spells, I think the proper way to express it is that a spell has a "somatic component"), armor can make that difficult.
I mean, I can afford a kevlar vest and I still don't wear it because it's just unnecessary.