Well, I think pastaav is right, surely you have any unbalancing factor but you didn't noticed, we can search for it, we'll begin with DB:
+27 from QU (after armor reduction)
+10 from armor
+10 from Magical Collar
+20 from BG Option (if he is aware of attack)
+25 from Shield Spell
+10 from Blur Spell
+10 from AbtP bonus
I see no problem, simply rememeber that shield is
only against frontal attacks, too, we usually don't add items with the same effect, so if you have DB by armor and DB by item they are not added, you use the greater one, the spell law explanation of no adding effects, I am agree with that for balance, if not, you could add many +10 items, as they are mid-level items, and have a great DB.
And the BG option is greater (15 points), so doubling talents cost it will be 30 points, balancing as you spend many talent points.
Well, my char would be:
+27 from QU (after armor reduction)
+10 from armor
+20 from BG Option (if he is aware of attack)
+25 from Shield Spell
+10 from Blur Spell
+10 from AbtP bonus
That is 102DB against known frontal attacks, and 67DB against not frontal that I am not aware (combat perception) or 77DB those I am aware. So don't think you will always have 102DB, as the fighter usually will has to fight against multiple foes.
About Db no problem, simply I would remove the adding effect, so remove 10DB. And only 1 question
+27 from QU (after armor reduction)
What AR it wears, and what is the QU penalty for that armor?.
- OB: I'd really like you put here the calculation, I am using many options and I can't find how to achieve that, I am calculating as if you have 25 ranks in lvl 5 (2 ranks per level, everyman and with 5 ranks by TPs), so I compute: 20 (pro) + 20 (stats) + 88 (ranks) = 128OB. So I think the other is for talents, but again, doubling the talent cost, and as it spent 30 in defensive BG option, surely it can't buy another greater talent for OB, balancing.
Too, really we have a lesser OB looking at the next points:
1) Using RMFRP: as weapons are standard skills, the everyman only applies to skill, not category, so in the calculation, we will have 25 ranks in weapon itself but 15 ranks in category, lesser OB.
2) Using CC: here there is not everyman applied as usual, I think there is a thread about this, the everyman is used in the manner you reduce the style DP cost, depending how many weapons in the style are affected, so if the style only has the weapon you have as everyman, then half the cost, etc.
Look at this thread
for it.
so is quite versed in religious skills
Yes, but that is only 1 per religion, and is cheap, try using all the influence, urban, tech/trade, etc. skills. You will se how your DPs are spent only for living. Too, I'd like to know how many DPs you use (fixed or stat dependant, quantity, etc.)