Sting52jb said:
The way CR works is that a group of 4 characters at the same level as the CR should be able to defeat said creature with out the use of anything but their standard gear.
Almost correct. First, the group is supposed to beat the encounter expending a quarter of their resources, where resources are hit points, spells and other expendables. And by "standard gear", the system means "gear to the list price total of, and not exceeding, the sum of the average treasure gained as per the treasure table".
Some time ago, I took the time to write up a table calculating the total net worth per level for a standard D&D game, counting in all items and expendables:
Lv Total wealth per character
1 0,00
2 997,50
3 2.992,50
4 5.985,00
5 9.975,00
6 15.295,00
7 21.945,00
8 30.590,00
9 41.895,00
10 56.857,50
11 76.142,50
12 101.080,00
13 133.665,00
14 176.890,00
15 233.415,00
16 306.565,00
17 399.665,00
18 519.365,00
19 675.640,00
20 878.465,00
[Note, there's a very similar table in the DMG, which already deducts expenses for consumables such as potions etc.]
Also it is possible to game with out magical gear and potions of flying there are more feats out there you can find to easily supplement your characters AC by boosting the characters Dex Bonus.
As I and others have said, that works for low levels (<7) but certainly not for mid or high levels. You can't even boost that Dex bonus significantly without magic items. Show us an SRD build of, say, level 12 that has at least a 50-50 chance to beat a single CR12 monster without any magic gear, if the opponents start 30' away from each other. But let's keep "maximized fireballs" and the like out of the equation - I want to see a build that relies on physical damage, though Buff spells are okay.
Suitable encounters may be a Frost Worm, a Kraken, or Purple Worm.
Plus no matter how much armor you where and how much training you have you will sooner or later reach a peek where your armor will no longer allow you to be able to perry or dodge some moves and where your armor will not be able to absorb all the damage you receive. That is why we no longer fight in suits of full armor.
Are you talking about Conan or D&D now? I don't really understand what you're getting at. In D&D, your armour will max out around the aforementioned AC21 without magic items, but with standard items you'll get to high 40s or even 50s in time, which you need when you look at attack bonuses of high level monsters or characters.