AC Penalty
 

Im starting a dwarf paladin and i asked someone in my guild about where to put the stats. Like i was thinking he said all into STA and the rest into STR. but then he said that AGI needs to be 75 or there is an AC penalty. Can anyone expand on this? Is it the base stat that needs to be 75 or just 75 with items boosting it?

If your AGI is below 75 you take an AC hit. Doesn't matter if you get it there with gear, buffs, or by sucking on lollipops, as long as it's 75 you're fine.

Ok, so i don't want to start a new thread for this.

I have all the gear for my pally twink. Nothing gives +AGI. Should i give him 5 points of AGI at the start or should i just go STA/STR and find some item to give him the extra 5 AGI to get him to 75AGI later?

Personally I'd put the 5 into AGI so you never need to worry about it.

You're better off putting the 5 in at creation, then you don't run into a situation where you get a really sweet piece of gear that replaces your +5 agility and then suffering the penalty.