One of the many reasons that CR is such a crapshoot in 3.5 is that there's nothing even resembling a rough formula here. I'm going to leaf through the MM1 and look at some monsters in the CR 5-8 range (no particular reason for choosing that particular CR, but there are plenty of good monsters there) and just look at their ACs and to-hit bonuses. I might stop if I get bored.
Aboleth, CR 7, AC 16, to-hit +12 (4 attacks)
Gargantuan Animated Object, CR 7, AC 12, to-hit +15
Elder Arrowhawk, CR 8, AC 22, to-hit +19 (touch) or +20
Athach, CR 8, AC 20, to-hit +16 (single) or +12 (many)
Greater Barghest, CR 5, AC 20, to-hit +13 (and 2 +8s)
Basilisk, CR 5, AC 16, to-hit +8
Behir, CR 8, AC 20, to-hit +15
Belker, CR 6, AC 22, to-hit +9 (and many +4s)
Bodak, CR 8, AC 20, to-hit +6
Bulette, CR 7, AC 22, to-hit +16 (and 2 +10s)
Chaos Beast, CR 7, AS 16, to-hit +10 (2 attacks)
Chimera, CR 7, AC 19, to-hit +12 (3 hits) and +10 (2 hits)
Chuul, CR 7, AC 22, to-hit +12 (2 hits)
Cloaker, CR 5, AC 19, to-hit +8
Babau, CR 6, AC 19, to-hit +12 (2) and +8 (1)
Succubus, CR 7, AC 20, to-hit +7 (2)
Destrachan, CR 9, AC 18, to-hit +9 (2)
Bearded Devil, CR 5, AC 19, to-hit +9/+8
Chain Devil, CR 6, AC 20, to-hit +10
Erinyes, CR 8, AC 23, to-hit +14/15
Hellcat, CR 7, AC 21, to-hit +13
Digester, CR 6, AC 17, to-hit +11
Elasmosaurus, CR 7, AC 13, to-hit +13
Tyrannosaurus, CR 8, AC 14, to-hit +20
Dire Bear, CR 7, AC 17, to-hit +19/+13
Juvenile Black Dragon, CR 7, AC 22, to-hit +16
Dragonne, CR 7, AC 18, to-hit +12/+7
Drider, CR 7, AC 17, to-hit ranges from +6 to +1
Bralani, CR 6, AC 20, to-hit +11 and under
Huge Water Elemental, CR 7, AC 21, to-hit +17 (2)
Ettin, CR 6, AC 18, to-hit +12
Formian Taskmaster, CR 7, AC 19, to-hit +10/+8
Efreeti, CR 8, AC 18, to-hit + 15
Hill Giant, CR 7, AC 20, to-hit +16
Gibbering Mouther, CR 5, AC 19, to-hit +4 (6)
Flesh Golem, CR 7, AC 18, to-hit +10
Gorgon, CR 8, AC 20, to-hit +12
Gray Render, CR 8, AC 19, to-hit +15
Green Hag, CR 5, AC 22, to-hit +13 (2)
Six-headed Cryohydra, CR 7, AC 16, to-hit +8 (6)
Invisible Stalker, CR 7, AC 17, to-hit +10 (2)
Lammasu, CR 8, AC 20, to-hit +12
Lillend, CR 7, AC 17, to-hit +11
Werebear, CR 7, AC 17, to-hit +13/11
Medusa, CR 7, AC 15, to-hit +8
Illithid, CR 8, AC 15, to-hit +8 (4)
Mohrg, CR 8, AC 23, to-hit +12
Dark Naga, CR 7, AC 14, to-hit +7
Nightmare, CR 5, AC 24, to-hit +9
Nymph, CR 7, AC 17, to-hit +6
Ogre Mage, CR 8, AC 18, to-hit +7
Black Pudding, CR 7, AC 3, to-hit +8
Phase Spider, CR 5, AC 15, to-hit +7
Phasm, CR 7, AC 17, to-hit +12
Ravid, CR 5, AC 25, to-hit +4
Remorhaz, CR 7, AC 20, to-hit +13
Shambling Mound, CR 6, AC 20, to-hit +11
Cloud Giant Skeleton, CR 7, AC 13, to-hit +18
Red Slaad, CR 7, AC 19, to-hit +11
Tendriculos, CR 6, AC 16, to-hit +13/8
Adult Tojanida, CR 5, AC 23, to-hit +10
Treant, CR 8, AC 20, to-hit +12
Troll, CR 5, AC 16, to-hit +9
Umber Hulk, CR 7, AC 18, to-hit +11
Vampire, CR 7, AC 23, to-hit +11
Will-o'-Wisp, CR 6, AC 29, to-hit +16 touch
Winter Wolf, CR 6, AC 15, to-hit +9
Wyvern, CR 6, AC 18, to-hit +10
Xill, CR 6, AC 20, to-hit +7 (or 4 +5s)
Yuan-Ti Abomination, CR 7, AC 22, to-hit +13
So yeah. There's so much variation, and so many outliers, that it's really hard to come up with a baseline. Some of the outliers, of course, are obviously not meant to be slugging it out in melee, but that's not always the case. And this isn't even getting into monsters or humanoids with class levels.
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