Having played as a kensai (no dual class) through to ToB, I must say that imo the class is overrated. The lack of ability to wear armour and to use missile weapons (bows, slings or crossbows) makes him a liability in melee and ranged combat respectively, and far outwieghs the advantages he gets when he starts out (can't remember what they are now, lol).
His AC in ToB was only about 0 or -1, compared to Keldorn and (censored so as not give away spoiler) who were around -5 or -6.
For my money, I'd take a straight fighter over a kensai. Or d/c the kensai to mage early on.
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