Okey, here´s the thing..Dragon2k writes that a level 18 fearie ninja with speed 18 will have a natural ac of -7.
My level 15 fearie ninja with speed 18 has natural ac -12, quite good?!
The natural ac can be lowered several times, not only when gaining a level. Between levels, when you have increased your ninjutsu skill by hiding, you can lower it. Also, directly after you have gained level you can lower it. And of course, when gaining level, increasing your ninjutsu skill, you will lower it.
All you have to do is to reequip your ninja after he has gained a level, or between levels when you think he have earned enough skillpoints in ninjutsu. Just try often after battles etc.
So that seems to be a bug, and a nice one too!
So i guess my level 18 fearie ninja will have araound natural ac 14-15!
Comments?
Try it and you´ll see...