I'm new to DDO, but an old PnP player and I've read some strange things on the boards about high level play and AC. From what I've read, AC doesn't matter at high level play. This sounds like a problem.
It has always been a problem that there are so many different AC bonuses, and the fact that different type of bonuses stack. More so in DDO where you take gear and enhancement into the equation. In order to fix this they have made it possible to stack ToHit in an even more absurd fashion (mainly by making it easy to get very high STR values and extra good BAB in the attack chains).
In a game with absolute numbers (compared to relative numbers with diminishing returns) there will allways be a party where the fighter will automatically fail every will save and the well geared save specialist cleric/monk/paladin will make every will save. As soon as their respective saves differs by more than 20 this will happen. The same goes for AC, skill DC, Spell DC, etc. It's the inherrent weakness in a d20 system.
In the PnP game this is seldom a large problem, since the majority of the campaigns are relatively (compared to DDO at least) low level and even at high level the gear scaling isn't as brutal as in DDO.
From what I have read on the boards AC is really great in the mid game, but completely loses it's value at higher level, unless you are a top geared AC tank, and even then it's mostly useless. I can only assume that this is due to the d20 limitation. If the dungeon is set for a balance around a tank with an AC around 80, anyone having less than 60 will always be hit.
Even if one uses the common house rule and roll AC, instead of adding a set 10, to it, you will only postpone the problem a little. Instead of a spread of 20 you get a spread of 40. It's a huge difference, but still when players can attain an AC of 100+, it is not so much. Further more you can have monsters have more of a differentiated attack sequence, more like players where the first attack (or in the case of DDO the last attack) is at maximum BAB and the rest are rolled with a penalty or withour a bonus as the case may be. This will give another 10 or 15 points of difference.
So instead of the PnP version with it's 20 difference you will have a difference of 40+15, and that makes a player with a 100 AC somewhat in balance with a player with 45 AC. If the 100 AC player have reached the threshold where he only gets hit on a natural 20, then the 45 AC player will always get hit, while the AC 46 player actually can manage to avoid a hit now and then.
So my question is:
How dows AC work at high levels in DDO? Is it a d20 gap or a double d20 gap? Do monsters have several attacks with lesser toHit on some of them, just like players or are all of a monsters attacks the same? How does natural 1's and natural 20's come in to play? Is AC and high ToHit values worthless at high level play, and if so do Turbine have a plan to fix it?