Actually, it's your character level vs. armor, not Dex vs. armor, and you don't take the higher one unless you have the Armored Defense talent; otherwise you take the armor bonus if you're wearing armor even if it's lower than your level bonus. Improved Armored Defense makes it level + half armor. So high-level characters can walk around unarmored but protected as if they had power armor and be just fine, and characters who walk around in actual power armor get a big benefit from it.ModelCitizen wrote:For example, in Star Wars Saga you don't add Dex directly to your AC; your AC is the higher of your Reflex defense or your bonus from armor. They fucked up the level scaling (because it's SW:S and that's what it does) but there is a point at the intersection of the curves where neither Boba Fett nor Luke Skywalker is doing it wrong. Maybe because Luke's Dex bonus is one point higher, maybe because Jedi get +2 to Reflex and Bounty Hunters don't. I don't know, the point isn't how SW:S actually handles it, the point is how it could work. If use Reflex as your minimum AC rather than adding Dex to AC, and you get the math right so it's easy for a player to build for one or the other to be higher, then you can have an unarmored rogue, barbarian, or swashbuckler and it's not a big deal. You don't have to tell them to "refluff" their chain shirt as a ninja suit / bear pelt / body oil / leather thong and skull pasties / whatever the fuck they actually want to wear.
In exchange for wearing heavy, restricting, and often dubiously-legal armor, armored characters can get Fort bonuses, built-in equipment, etc., so the choice is not "do you want high Reflex?" but rather "do you want good defense, some subtlety, and good speed, or do you want great defense, extra armor-based perks, no subtlety, and less speed?" which is what the tradeoff is supposed to be in D&D as well.