The Disc-One Nuke trope as used in popular culture. A minor form of munchkining, wherein a player exploits the ability to gain a powerful item or weapon.
I’ve thought about this too and I agree, having an incentive to collect armor on hdst/inf would be a really good idea, even if it wasn’t a huge difference.
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The Luckily, My Shield Will Protect Me trope as used in popular culture. Metal or wood for personal protection – not those fancy crackly deflecting bubble.