Can you polymorph to a creature that is wearing armor?
In game GM polymorphed an NPC to an armored sabretooth tiger (plate armor). Is that legal?. The NPC would turn into a regular sabretooth with no half plate right?
Can you polymorph to a creature that is wearing armor?
In game GM polymorphed an NPC to an armored sabretooth tiger (plate armor). Is that legal?. The NPC would turn into a regular sabretooth with no half plate right?
I distinguish here from just saying it turns into a regular Saber-Toothed Tiger because a Saber-Toothed Tiger has different stats from the Armored Saber-Toothed Tiger from Curse of Strahd, not just different AC.
Borrowing mostly from this answer, which focuses on True Polymorph, but is applicable here:
Though not official, this tweet from Jeremy Crawford indicates that you do not receive the equipment of a creature:
True polymorph: if you turn into a creature, you don't also get gear from the transformation.
(He clarifies in a followup tweet that the same also applies to other transformation spells.)
The interpretation of "A spell does (only) what the description says" is consistent with how spell effects are interpreted elsewhere, and equipment is not mentioned in the spell.
This interpretation also prevents the duplication of magic items (such as a Drow Matron Mother's Tentacle Rod) or artifacts that should otherwise be unique. This is pertinent considering that True Polymorphing a creature into an object carries the requirement that the object be nonmagical.
It's likely the DM wants a challenge or just something to create a memorable moment. No need to nitpick what exact spell was used (maybe a special version of polymorph), or maybe it was a magical item that kept the NPCs shape, or the NPC has some innate magical skills, doesn't matter. DMs bending rules for fun is better, IMO, than them strictly following every rule. He's likely just saving some time: he could homebrew some Scaly Saber-Tooth Tiger with 17 natural armor and call it a day.
Polymorph states:
The target's game statistics, including mental ability scores, are replaced by the statistics of the chosen beast.
The "statistics of the chosen beast" refers to the beast's printed statblock. If the chosen beast's printed statblock doesn't have it wearing armor, then the resulting form of polymorph is not wearing armor. So the situation you describe would not be consistent with the rules as written, since there is no statblock for a sabre tooth tiger wearing armor. However, the DM can also do whatever they want.