Modifies the chance to hit this particular character.”— In-game description
AC is one of three stats by which a character can reduce or avoid damage. The other stats are DT (Damage Threshold) and DR (Damage Resistance). AC occupies the "first step" for combat and simulates the difficulty of landing a shot on targets that are evasive or otherwise highly mobile (like real-life guerilla combat).
More specifically, before damage is even checked, the game generates a random number from 1 to 100 and checks it against a target number:
If the random number is less than or equal to the required number, then the attack is declared to be a hit and DT/DR are then checked.
"Adjusted to hit%" means the character's base skill level modified by distance, weapon, aimed body part (if applicable), cover, etc. Notably, the required number can never be more than 95 - as a legacy of tabletop role-playing games, there is always a chance (one in twenty) to miss. Even more notably, outside of an aimed shot there is a minimum 5% chance to hit, but inside an aimed shot, individual body parts can have a 0% chance to hit, indicated by dashes instead of a proper number ("--").
Initial level: Starting armor class is equal to your Agility. Average characters will have an armor class of 5. This statistic can be further modified by Armor and Perks. In addition, at the end of each combat round, your AC increases by each unused Action Point.
- The Kamikaze trait sets the initial level to 0, instead of your agility.
- The Dodger perk increases AC by 5.
- The HtH Evade perk significantly increases the AC bonus at the end of each combat round, provided you are currently unarmed.