str16 con 14 dex 15 int 8 wis16 cha6
dwarf
10 base
10 wraps
10 monk
+6
---
36
+3 dwarf
----
39
1 waterstands
1-1 +2 tome and or ship buffs
----
41-42

not that easy but its not supose to be
exeptional wis can be added too