Baldur's Gate : The Sword Coast Chronicles : NWN2 Persistent World

I've been toying with the Jegs module in order to test a Swash 6 / Assassin 10 / Monk 10 / Dervish 4 who should have the same base AC as this one (http://nwn2db.com/build/?221644). For some reason the char only reaches base AC 24 instead of AC 26 in Jegs. Am I missing some custom changes to any of these classes, or something else? Also I noticed that becoming encumbered does not decrease the AC as it should according to the dervish AC bonus description.

And... Any advises to improve the char are welcomed.

Why swash6/monk10? Why not swash5/monk11 and get greater flurry?

That's because the AC from dodge feat and from swashbuckler don't show on the sheet, they're active only against your last attacker

Ah, that explains a lot. Thanks.

Yeah, and the split was Swash 6/Assassin 10/Dervish 10/Monk 4, not as I posted above.