What are my final values for AC and treasure?

[HorrorshowJack]

Need to make sure I'm doing them right for a high level npc.

AC
Starting with a race that has +1 Natural Armor, and base Dex 10, Cha 14. They're a dragonish equivalent to tieflings and aasimar.

Has or could have the following:
Improved Natural Armor (feat) Improves Nat Armor by 1.
Nature’s Whispers (Oracle Nature mys) use Cha for AC and CMD instead of dex.
Half Dragon (via 10 level prestige class) +4 NA, +2 Cha
Metal-Clad [Mythral] +5 CR +8 NA, +0 Dex, +2 Cha
Via Barbarian +1 NA
He's also been embiggened and has a -2 dex, -1 size ac bonus.

Okay. I don't think the Barbarian would work since it doesn't specifically say it increases natural armor. It would give you a base NA of +1, so there's no benefit. Templates change the original creature and are applied sequentially, so both would apply.

So naked he has: AC 27 (10 +4 Cha + 14 NA + -1 size) Touch 13 Flatfooted 23. Right?

TREASURE
He's supposed to be a challenge rating 20. Since he has 15 levels and a cr5 template I'm a little uncertain which value to use and why: level 15 PC or Level 20 PC.

NPC treasure on a class based character generally drops the cr by one, so I know level 15 npc is out. Level 20 heroic npc is lower than level 15 pc so I can eliminate that as a choice also. Should treasure increase to reflect the template or not?

[Dasrak]

Your AC calculations seem to be right.

Quote:

TREASURE

He's supposed to be a challenge rating 20

CR 19, actually. A 15th level NPC is CR 14, so a +5 template takes him to CR 19. He'd use the heroic NPC level 20 wealth total.

Quote:

Level 20 heroic npc is lower than level 15 pc so I can eliminate that as a choice also.

NPC's don't use the PC wealth table.

[StabbittyDoom]

Typically speaking, I only count actual class levels towards your effective level for the purposes of wealth. If they're a PC, you would use the "PC" column for wealth for a lvl 15 PC, which is 240,000gp. You might also use this if it's intended to be a BBEG. Otherwise, if they are an NPC with PC class levels, you would use that column for 45,000gp. If they are an NPC with NPC class levels (e.g. warrior) this drops further to 34,800gp.

The reason you only count actual class levels is that CR adjustments have an effective wealth worth of bonuses built-in via special abilities, immunities, and ability score bonuses. Giving them wealth as well would boost them well beyond where they should be.

Any wealth he has to use against the players, minus potions/scrolls used during the fight, is the treasure the players gain for defeating them. This is another reason to use Heroic NPC wealth for anything not meant to be a BBEG: giving that much loot for every enemy would blow the wealth levels up very quickly.

Treasure is something you adjust to make players hit the recommended wealth. If players are too wealthy, send enemies that don't use wealth for a while. If they're too poor, send enemies that need lots of it. Don't worry too much about meeting some bar for appropriate treasure, just give the foe what seems appropriate and the players loot what wasn't consumed. Focus on CR-appropriate first, wealth second.

[StabbittyDoom]

Dasrak wrote:

Your AC calculations seem to be right.

Quote:

TREASURE

He's supposed to be a challenge rating 20

CR 19, actually. A 15th level NPC is CR 14, so a +5 template takes him to CR 19. He'd use the heroic NPC level 20 wealth total.

Quote:

Level 20 heroic npc is lower than level 15 pc so I can eliminate that as a choice also.

NPC's don't use the PC wealth table.

They can use the PC wealth table, it just increases the CR by +1. Typically this is done for BBEGs.

[HorrorshowJack]

Thanks guys. =)