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Chapter 2: Tools / Building Creatures / Armor Class

Compensating with HP and Saves

Source Gamemastery Guide pg. 62
You might adjust your creature’s HP, AC, and saves in tandem. Almost no creature has great defenses in all areas, as such creatures often result in frustrating fights. A creature with higher AC might have fewer HP and weaker saves, and one that’s easy to hit could have more HP and a strong Fortitude to compensate. This depends on the theme of the creature. An extreme AC might mean reducing the creature’s HP to the next lowest category, or reducing its HP by a smaller amount and making another reduction elsewhere.