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Well, here's the thing, a 20th-level fighter is barely even mortal any longer, that's even the way they describe it. Most people in society are just 0th level, a few are first level, it'd take, starting at 1st level, usually years of gaming to get to even 10th level unless your DM is absurdly free with XP. A 20th-level character is a demi-God. The Chosen of most Gods are 20th level, even the avatars of some weaker Gods are.
And it would be a bit ridiculous if such creatures couldn't survive a bit more than a dagger to the gut.
The suggestion in all of the rulebooks is that around level 9, the character is so mighty that standard fights really just don't hold any purpose, and he should retire to control a fortress or some such. Just become a wealthy lord of some sort.
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