Of course, if anyone manages to successfully grapple her, doesn't mind getting taking a smack from an oversized insect to try and push forward, or goes after her low, low Will save, she'll probably be in a spot of bother, but that's why allies exist, to cover weaknesses. :3
1. That requires them to be able to grab an oversized insect.
2. Technically, they have to be at least Large before they can occupy the same space as a Tiny creature. Unless I'm remembering the rules wrong. Besides, that's where improving damage comes in...
3. Yeah...allies are good.
1. True, but it's still not impossible. My greatest protection from that, however, is not my AC, but most people's reflexive reaction to the thought of opening the Grapple rules.
2. Tiny creatures are an exception to that rule, if for no other reason than because they can't attack anything not in their square (except with the reach houserule). I will have to deal with attacks of opportunity every time I try to enter someone's square until I reach Level 9 and qualify for the Underfoot Combat feat, though.
3. Definitely. I'll need to figure out which party needs a flying brick the most, though. ^_^
What difference does the loads actually make?
Medium load reduces maximum DEX bonus to +3, gives a -3 check penalty to certain skills, and reduce your move speed. Heavy load reduces max DEX bonus to +1, gives a whopping
-6 check penalty, drops your move speed, and reduces your run speed. Basically, if you're hauling lots of stuff and can't pick up a Handy Haversack or Bag of Holding, put it all in a backpack so your first move when entering combat can be "I drop my backpack as a free action."
EDIT: My, my, beaten twice-over. ^_^