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-25 is the lowest you can get and I have had it, oh yes (TOB required)
Level 34 Cavalier, 23 DEX, The Big Metal unit, Ring of protection +3, ring of Gaxx, Dark Steel Shield and the Cloak of the Sewers(most people get rid of it and but the armour class bonus doesn't affect ofther magic items, so you can wear it with rings of protection, magic armour etc). Now you know what it feels like to literally be armoured like a tank.
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