Re: DEX levels in your campaign.
In the evening, Sundogs Kingdom City campaign includes DEX scores as Low as 16, with my character, The Specter, ranging from 18-33, depending on the situation. I'm not as sure as everyone elses DEX scores, but as The Specter is on public record as team leader, I guess I need to find out.
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The reasoning was that DEX covered agility, co-ordinartion and reflexes (it determines initiative afterall), so unless you had a very good reason, you needed to be DEXtrous to be able to act so often in a turn without tripping over yourself. It never really turned out to be an issue, but it's a rule that I've adopted for my own campaigns
Weldun
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In answer to the first Felicity did have 16 Dex. During the period of dormancy in stasis, her body took the opportunity to upgrade. She is now being hit with your second point as she attempts to adjust to the new reaction time and hand/eye co-ordination. Not good on a flyer.