Skinny Dipper (3.5e Flaw)

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Skinny Dipper[edit]

You like to swim with no clothes on.
Effect: Your armor check penalty for swimming is 4 worse than normal, even for armors that normally do not confer a penalty.
If you can see calm water of a depth at least half your height, that does not appear to contain any dangers, you are compelled to skinny dip: You are shaken until you are either in the water wearing neither armor nor clothes, or can no longer see the water.

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