Also -- Before lvl 50 AC still makes a huge difference. Exactly how much AC you lost going from 15 stones to 20 I'm not sure at lower levels but I can tell you going 5-10 stones over at 59 gimps your AC by alot (somewhere in the neighborhood of 40-50 AC?) I could be exaggerating but I swear Im always destroying my coin on my monk because even going over 3-4 stones makes a noticeable difference, imo.
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