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If so, no worries. Natural armor bonuses stack with all forms of physical armor. In general, hide is the worst form of medium armor, so you're doing well to stick with that chainmail (or better yet, a breastplate, if you find a good one.)
The one time that the metal vs. non-metal armor distinction is important is for druids. They can't wear metal armor at all, so hide armor is actually the greatest protection they can use (other than a few exotic, one-of-a-kind armors). If you find a good set of hide, and you have a druid around, give it to them!
Yes I was worried about that was when I asked about Natural bonus amulet on on a person thinking it counts for normal things like normal daggers, bows, etc. Turns out its like only bites kicks, etc. By the way hope I dont sound rude, but I did not get this, When I asked about the amulet of fists, no metal was alllowed. But armor that says Natural, and chainmail is ok, I just wanted to make sure. Kinda strange rules.
But you can only have one kind of armor bonus each.
Have an amulet natural armor +3 and cast Barkskin giving a +2 natural armor? Barkskin has no effect. Same with armor bonus: Wear a padded armor (+2) and cast Mage Armor giving +4? You get the +4 but the +2 from armor is disabled.
That's why you have to carefully read WHAT KIND of armor is on various things. Have Bracers of Armor +5? No need for any armor that gives 5 or less. Wear a robe instead that gives other special effects.
Later on she gets DR (each hit does less damage) as an ability, and the option to take extra DR as a Rage Power.
If you would remove every item, every piece of armor, every feat/trait, and set all the attributes to 10 (so they give +-0 boni), you will get your charcters current natural armor. basically how hard their skin is.
E.g. a human with fleshy skin is softer and has lower natural armor than for exmaple a tree (because of the hard bark) than a rock (stone harder than tree bark). etc.
A natural armor bonus kind of means your skin gets harder to pierce/slash.
Now if you put something hard above something that is already hard (e.g. have a human heart and encase it in a tree and then you put the tree in plate mail) the summary is harder to pierce than just the heart or tree or the plate alone. So it all adds up.
Now lets say that plated heart tree was really dextrous and could move really fast, it would also be able to dodge your hits. so it becomes even harder to pierce the heart.
This is why different kind of armor boni add up.
So Natural armor adds with armor class and also with dodge bonus and also with all the other differently named boni (competence bonus, morale bonus, deflection bonus etc etc).
But lets say you have a ring of protection that gives "deflection bonus" that ring will not stack with another ring of deflection, instead the game will take the highest of the two and ignore the other one.
Having said all that.
Heavier armor is not always better.
The more dextery your char has, the more they benefit from lighter armor.
If you look up a piece of armor it will say "max dex bonus". If this is lower than the number right next to your chars dexterity then its usually not a piece of armor they want to wear, since the armor wont allow them to receive their maximum bonus on attacks, dodge and skill checks.
Most armor als say "armor check penalty", this means that if your char is wearing a piece of armor with such a penalty and has to do a skill check (athletics, mobility, trickery, stealth, etc), the result will be lowered by the armor check penalty.
So often for chars that require high mobility or trickery like for example rogues or bards or even barbarians, its better to use armor that does not have such a penalty, to achieve better skill checks.
Additionally there is armor weight. The more your armor weighs the slower your char will move, the faster they will get exhausted, and medium and heavy or even overencumbered weight levels also further reduce your chance to hit and to dodge and to use skills.
You can check a characters personal weight level in the inventory screen. Each of them will have a weight bar below their 3d model. Try to keep it at medium for frontline fighters and at light for ranged characters, rogues or bards.
edit:
oh and then there is arcane spell failure. this basically means that magus, wizard and sorcs have a chance to miscast their spells by the amount that is written on your armor piece. (divine casters (clerics, druids, inquisitors, paladins) and bards ignore this penalty however. a magus gets feats that also make them ignore it by just levelling up. and wizard and sorc can select such feats for small % decreases as well.
When hopefully I win, I really hope ppl are as quick andeasy to answer and as helpful in kindom managment. That part is kinda a pass for me right now, but I do want to learn it. And not just syaing noob get good, so far this has not been the case for me. Everyone has been kind despite the fact I know little about this game. Which is wierd cause ive played iwd more then i did bg, or bg2, but man thius game is just enough different to throm me off, i mean buffs can last an hour or more. Web spell I can go for a nap before it wears off, even though no body left to kill. Its just crazy, Im just hopping they pass their checks.