It's not that hard to reverse engineer, but look at it this way: fantasy d20
has magic, and the characters have this sliding scale for their 'target wealth'
based on level.  So, because of obscene amounts of magical equipment, a 20th
level fighter does have a much better AC (commoner is an NPC class and has much
lower target wealth).

With this in mind, a low magic campaign might make a class defense bonus a
viable alternative to +5 mithril full plate, +5 large shield, gloves of dex +6,
ring of prot +5, amulet of natural armor +5, boots of speed, and all the usual
extras.  But adding a class defense bonus *in addition* to all of this would be
silly.

-Mike

--- [EMAIL PROTECTED] wrote:
> Since the MSRD lists classes with a Defense Bonus to AC, has anyone thought
> of extrapolating that backward to the SRD classes?  I think the concept
> sound.  A 20th level Fighter should have a better AC than a 20th level
> commoner, if all other things are equal.
> 
> Paul
> 
> 
> 
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