Yah, Stealth and Reflextion are the way i prefer to go, too, esp to avoid the weight of armor; but with a Monk, there's no chance for weight anyway. And they have Stealth without an off-carreer level, so it doesn't bother me to use someone who won't max Dex very soon. It's also kinda fun to watch a Granite Golem hit a nearly naked character for only 4 HP.
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