Any thoughts on how you'd rework it? I can increase the restrictions.
It's sort of the Chaos version of vow of poverty
Disclaimer: I'm not really a fan of the whole vow of poverty thing. Lots of suposed drawbacks for lots of suposed benefits from a single feat is a nightmare to get right. Doubly so because I then would need a pretty big excuse for not applying it to every big "naked" monster you may find out there.
I may allow a lesser version, like you know, all the other vows that aren't poverty. Some drawbacks for some bonus.
-Gain luck bonus to AC equal to 1/4 your HD and permanent endure elements.
-Cannot use torso items (vests, armor).
-The first time each ecounter you try to affect someone with a mind-affecting anything, the DC (if any) increases by 1, but any later atempts on the same ecounter don't gain that bonus for at least 1 hour because the suprise effect is gone.