FWIW... when i built "reactive defenses" using vpps and other means, i always set them up so that the change was in response to an attack, not in anticpation of. So if you were hit by a firebolt, your reactive defenses would shift to ED AFTER the hit, not before.
If it shifts to whatever is about to cause damage, then that doesn't sound too much different than simply having every type of defense.
I mean, how is a set of defense, say 10 points woirth, that switches to "whatever works against any given attack" different from say 10 pd and 10 ed and 10 flash d and so on? The "its defense that morphs on demand" is just the FX for buying each of these.
Maybe you would need a limitation for "when hit with coordinated attacks of different defense types the total points spread about must total no more than 10". If so that limitation is not worth much unless coordinated attacks of different types is common.
Points (equal points or even very precisely calculated points) do not make balance happen in play. Instead, balance in play is what shows the points and costs were appropriate.
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