The monk PC is like wine, he gets better with age. At level 13, he acquires the deadly quivering palm ability. His AC improves with every 2-3 levels. At level 18 I think, his hands are like +3 weapons. All this means that you have to be patient enough to fully develop his capabilities. And one nice bug in BG2 is that a monk can use the Firecam Armor for better AC.
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