I posted an appreciation of Goblin Punch's fashion as armor class houserule, and wrote up my own Microlite20 version of it. After some good great comments, here's a D&D version:
|J. C. Leyendecker. Yes.|
Even squamous horrors feel the power of a well-put-together ensemble. Style will save you.
Stylish clothes are expensive, and fashion is fickle, so be prepared to buy new clothes every season.
Good clothes can survive a lot of rumple and still look dashing, but on a critical hit they are mussed beyond hope and lose their AC benefit. A tailor can fix it up in a few hours, however.
Stylish Clothes (10 x Normal Clothes prices) = Charisma bonus applies to AC.
Think Cary Grant or Mos Def. Everything is properly tailored, proportioned, and coordinated. You may not be able to put your finger on why they look better than you, but they do.
Exquisite Clothes (100 x Normal Clothes prices; requires a Maid or Valet to maintain clothes) = Charisma bonus x 2 applies to AC.
Think the King of Siam, or Beyonce at the Grammys. FABULOUS. There is no mistaking this outfit for normal clothes.
Some armor is designed to look spectacular, but it is usually of shoddier construction than the more utilitarian models, and this cancels out the stylish edge. Truly beautiful, fully functional armor is masterwork, and enormously expensive.
Exquisite Armor (50 x Normal Armor prices, requires a Valet or Squire to maintain) = Charisma bonus applies to AC.