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I've had -14 with a fully kitted out paladin (20 dex-restarted BG 1 with him because of a stupid mistake so the dex tome got used twice)) wielding a 2 handed sword, I completed all the sub quests and had all the decent gear like the ring of gaxx. I assume I could knock the AC down another 4 or 5 by using a shield but I can see -26 even with defensive harmony.
Any takers on the original question?
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