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Armour & Armour Class

Most adventurers choose to wear some kind of protective armour to help ward off blows. An unarmoured person has Armour Class (AC) 10, plus their Dex modifier. Armour adds to AC making it harder to be hit. A character's AC = 10 + their armour AC bonus + Dex modifier (if any).

Heavier armours impose penalties on certain actions, as indicated in the table below. Armour may be made of special metals, similar to weapons. Prices and availability are left to GM discretion.

Shields

In addition to providing +1 AC, a shield may be used to negate a single directional attack, be it a sword strike, lightning bolt or dragon bite.

To use this ability, a player simply declares that the shield negates the hit or damage. The shield cannot be used again in this manner until it is repaired (a task of several hours, requiring materials, tools and often a forge). The damaged shield continues to provide +1 AC. In some instances, the GM might rule that a Luck check is required to avoid destruction of the shield, or to preserve the +1 AC bonus until repaired.

ARMOUR AC COST PROPERTIES
Light Armours:
Heavy Robes, Hide, Leather, Studded Leather.
+1 5 gp None.
Medium Armours:
Chain shirt, Scale shirt, Breastplate, Bone, Reinforced Hide, Monstrous Chitin.
+3 40 gp -2 penalty on Move Silently & Swim checks.
Heavy Armours:
Plate mail, Splint armour, Chain mail, Ring mail.
+5 100 gp -2 penalty on Move Silently, Intercept, Swim, Jump & Climb checks.
Shield +1 20 gp See rules for shields.
Silvered Intelligent Lycanthropes and Aberrant Terrors must make a Will check to attack a target wearing this armour instead of another target, and fumble on a 1d20 roll of 1-3 when making melee attacks.
Cold Iron Intelligent Demons and Undead must make a Will check to attack a target wearing this armour instead of another target, and fumble on a 1d20 roll of 1-3 when making melee attacks.
Mithral Medium and Heavy Armour incur no action related penalties.
Adamantine Armour cannot be seriously damaged by mundane means. Any critical hits suffered become normal hits instead.