I don't doubt that the monk is probably one of the top combatants. But the prospect of not getting to use most of the wonderful toys of the game (armor and weapons) turns me off using them. Even the kensai is not quite as fun because he can't wear all the armor. That's why I really liked any thief-including character, because there are so many leather armors that would otherwise be sold right away, as well as the bard kits (bardic armor, elven chain, and other items--the harp of pandemonium bought from Deidre is amazing). Stealing stuff is also really fun when done by your player character. "What was theirs, is now mine!"
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