That doesn't help.
If you want to win, you have to worry about worst-case. You cannot go around taking 1/100 chances.
If AC does not change the worst-case scenario, it will have an extremely hard time being important enough to worry about. If the robe of resist fire keeps you from being instakilled 1 time in 100 [say from two fire breaths in a row from something at twice your speed], then even if plate mail reduces damage on average 75% compared to the robe, it still has little value to you if it does not prevent the instakill.
For now, the rule is to cover as many vital resists and protections as you can, and among comparable choices pick the one with the best combined AC and damage plusses, assuming that does not slow you. A saving throw less than 90% won't change that, and even 99% might not.
If you really want AC to matter, I think you have to change things so that a char can be expected to survive two unresisted breaths from monsters up to 10 levels out of depth. That would be a very different game.
If you want to win, you have to worry about worst-case. You cannot go around taking 1/100 chances.
If AC does not change the worst-case scenario, it will have an extremely hard time being important enough to worry about. If the robe of resist fire keeps you from being instakilled 1 time in 100 [say from two fire breaths in a row from something at twice your speed], then even if plate mail reduces damage on average 75% compared to the robe, it still has little value to you if it does not prevent the instakill.
For now, the rule is to cover as many vital resists and protections as you can, and among comparable choices pick the one with the best combined AC and damage plusses, assuming that does not slow you. A saving throw less than 90% won't change that, and even 99% might not.
If you really want AC to matter, I think you have to change things so that a char can be expected to survive two unresisted breaths from monsters up to 10 levels out of depth. That would be a very different game.
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