It depends on AC i believe ...
True, Swen was killed thrice, but (corect me if im wrong) but i didnt notice any misses ... maybe he was really unlucky (kinda typicaly for Swen i know laugh ), but if druid is actualy punished by lowering his AC in animal-form ...
Im quite cool with that. O_o

Even better actualy, it seem like good way to force druid to leave his form from time to time.

I still dont understand why cant we change Race for our hirelings. frown
Lets us play Githyanki as racist as they trully are! frown