In every incarnation of D&D I've played you get the max of the same named bonus? So if you have a magic cloak that gives a +2 armor bonus, and a magic ring that gives a +1 armor bonus, then you have a +2 (max{+2, +1}) armor bonus. The rules in 5e seem less clearly spelled out, which is a bit unfortunate. Pretty sure BG3 handles stacking correctly though.

Ah ok - there is a (somewhat) clearer rule:

Combining Game Effects

Different game features can affect a target at the same time. But when two or more game features have the same name, only the effects of one of them—the most potent one—apply while the durations of the effects overlap. For example, if a target is ignited by a fire elemental’s Fire Form trait, the ongoing fire damage doesn’t increase if the burning target is subjected to that trait again. Game features include spells, class features, feats, racial traits, monster abilities, and magic items.

Last edited by booboo; 09/07/23 03:14 PM.