I've seen this around here before, but in order to test the waters a bit before applying these in the group I run I ask that anyone here try to spot where things can go horribly wrong. While I am experienced in CharOp and in the systems, I'm not perfect and my players for this group are ENDLESSLY creative (though will generally refrain from game-busting shenanigans). I am asking specifically for either 3.5 or PF, since the group is playing PF but 3.5 stuff allowed with DM approval.
Rule #1: Stacking DR
-All sources of DR with identical penetration conditions stack. For example, a 7th level barbarian wearing Adamantine Chainmail would have DR 3/-. I am trying to encourage alternate defenses here, since otherwise it is very difficult for players to get meaningful amounts of DR (Energy resist does not suffer this problem, for the most part)
Rule #2: Feat Prerequisites
-You may take any feat without needing its prerequisites. However, the feat is only active while all of its prereqs are met, by whatever means. For example, you could take Large and in Charge without being permanently Large size or larger, but unless your friendly spellcaster casts Enlarge Person on you it won't be doing anything. Intent is to allow class features and item effects that emulate feats but don't actually give them to be used as the prereqs.
Rule #3: Stacking SR
-SR sources stack, though each past the first contributes 10 less than its stated amount. If an Incarnate has Spellward Shirt shaped for 17 SR and put on armor enchanted with Greater SR (19), he would have 26 SR total. Again, trying to encourage its use. Haven't had it pop up on any player willingly outside of class features that give a ton in one go (AKA Diamond Soul).
Rule #4: Masterwork Clothing
-A set of clothing can be made Masterwork by adding 300g to its cost. This will allow it to be enchanted like armor (which just happens to have +0 AC and no ASF/Max Dex), without counting as wearing "armor" for class features and such. Let the monk have a +1 Fortification Gi!