Protection items

Just for the avoidance of doubt:
- Items (excluding Armour) cumulate their bonuses for both Saves and AC
- IF the Armour bonus exceeds the cumulative item bonus then it applies only for AC. Its bonuses always apply to saves vs. Elemental attacks.
So:
- If wearing +3 Leather, +2 Ring Of Prot
*AC: 5 (8 leather, +3 armour bonus)
*Saves: +5 vs. Elemental attacks, +2 vs. Everything else
- If wearing +3 Leather, +2 Ring Of Prot, +2 Cloak Of Prot
*AC: 4 (8 leather, +4 from item bonuses)
*Saves: +7 vs. Elemental attacks, +4 vs. Everything else