penalties however. Only knights and similar classes could do that.
He considered the overall agility penalty if he wore an entire suit of reinforced ironwood armor and then compared it to the penalties known for the pure combat sorcerer. By the time he reached level seventy, the penalty would cease to exist. If he chose a full-body armor made of materials like this, and went pure combat, he could have a defense bonus of just under two hundred points with no penalty.
Scott was not going to go pure combat, however. If he had wanted that sort of lifestyle, he would have been a dark knight. By the time he reached level one hundred with that class he could have used fourth or fifth-circle spells and would have been able to wear full body steel armor without penalty. In fact, by that point he would have been receiving bonuses for wearing all metal armor that easily compared to the defense bonus based on sorcerer and monk agility and could look forward to being able to upgrade to a heavier metal. A paladin could have much higher defense with the same set-up.
“I really need to earn more money.” Scott sighed wistfully at the armor.
Erido saw the look on Scott’s Face then casually said, “Well, we do finance...”
“Finance? Really?” asked Scott in surprise. This world was full of such little surprises. It seemed to operate like some sort of massive multiplayer game, but he had never heard of one where you can convince a store owner to extend you a line of credit for gear.
“Yes, you would have to sign a contract and pay double the amount borrowed. However, if you made your payments on time you would not have to worry about late fees. Though, you’ll still need to make an initial payment.”
“A chance to become crippled by debt? How could I give that up! Can I see what the contract would entail?”
“Certainly. I love to charge people double.” Erido cracked a smile. Financing accounted for a large part of his profits.
Scott followed his potential money-lender into his back office. On the way, the sorcerer noticed that someone else was manning the counter. He had not realized that anyone else worked here. It made sense, though. The place tended to get busy at times.
“Here is the standard contract. The blank spots are for the actual value of the items, the item names and inventory numbers, and signatures.”
Scott read through the contract and realized that it was a six month loan, with an automatic extension provision that would increase the total cost by fifty-percent of the remaining balance and allow another six months. In his homeland such a contract would be invalid due to the massive amount of interest, but he did not mind it personally. He had no money.
Honestly, it was a terrible deal. If he was not desperate to go out and see more of the world, he would not do it. Yet, he would not find a better deal any time soon. Plus, with such a massive upgrade in equipment and stats he could start to adventure further out from town.
They discussed the deal for a time, and eventually settled on terms. Scott received a set of reinforced ironwood armor, padded armor, a reinforced leather helm, Blade-boots, and steel claw gauntlets. He would have preferred a stronger gauntlet style, but the agility penalty for a stronger set was too high when you compared it with the rest of what he was going to be dealing with.
The sorcerer was an unarmed combat class. He could wear gloves and claw weapons, but they still counted as armor with appropriate agility penalties. The steel gauntlets largely offset the agility penalty with the defense rating and attack increase.
Overall his attack had increased by twenty-seven points. His agility penalty was twelve points, which decreased his defense by forty-eight points. In fact, his agility was only one point at the moment, and he had a base defense of nineteen points due to that factor.
However, his defense would increase by one hundred eighty-six points after the armor
He considered the overall agility penalty if he wore an entire suit of reinforced ironwood armor and then compared it to the penalties known for the pure combat sorcerer. By the time he reached level seventy, the penalty would cease to exist. If he chose a full-body armor made of materials like this, and went pure combat, he could have a defense bonus of just under two hundred points with no penalty.
Scott was not going to go pure combat, however. If he had wanted that sort of lifestyle, he would have been a dark knight. By the time he reached level one hundred with that class he could have used fourth or fifth-circle spells and would have been able to wear full body steel armor without penalty. In fact, by that point he would have been receiving bonuses for wearing all metal armor that easily compared to the defense bonus based on sorcerer and monk agility and could look forward to being able to upgrade to a heavier metal. A paladin could have much higher defense with the same set-up.
“I really need to earn more money.” Scott sighed wistfully at the armor.
Erido saw the look on Scott’s Face then casually said, “Well, we do finance...”
“Finance? Really?” asked Scott in surprise. This world was full of such little surprises. It seemed to operate like some sort of massive multiplayer game, but he had never heard of one where you can convince a store owner to extend you a line of credit for gear.
“Yes, you would have to sign a contract and pay double the amount borrowed. However, if you made your payments on time you would not have to worry about late fees. Though, you’ll still need to make an initial payment.”
“A chance to become crippled by debt? How could I give that up! Can I see what the contract would entail?”
“Certainly. I love to charge people double.” Erido cracked a smile. Financing accounted for a large part of his profits.
Scott followed his potential money-lender into his back office. On the way, the sorcerer noticed that someone else was manning the counter. He had not realized that anyone else worked here. It made sense, though. The place tended to get busy at times.
“Here is the standard contract. The blank spots are for the actual value of the items, the item names and inventory numbers, and signatures.”
Scott read through the contract and realized that it was a six month loan, with an automatic extension provision that would increase the total cost by fifty-percent of the remaining balance and allow another six months. In his homeland such a contract would be invalid due to the massive amount of interest, but he did not mind it personally. He had no money.
Honestly, it was a terrible deal. If he was not desperate to go out and see more of the world, he would not do it. Yet, he would not find a better deal any time soon. Plus, with such a massive upgrade in equipment and stats he could start to adventure further out from town.
They discussed the deal for a time, and eventually settled on terms. Scott received a set of reinforced ironwood armor, padded armor, a reinforced leather helm, Blade-boots, and steel claw gauntlets. He would have preferred a stronger gauntlet style, but the agility penalty for a stronger set was too high when you compared it with the rest of what he was going to be dealing with.
The sorcerer was an unarmed combat class. He could wear gloves and claw weapons, but they still counted as armor with appropriate agility penalties. The steel gauntlets largely offset the agility penalty with the defense rating and attack increase.
Overall his attack had increased by twenty-seven points. His agility penalty was twelve points, which decreased his defense by forty-eight points. In fact, his agility was only one point at the moment, and he had a base defense of nineteen points due to that factor.
However, his defense would increase by one hundred eighty-six points after the armor
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