I've had players tell me they were wearing two cloaks. The one on the outside was the +1 and the one on the inside was +3. That way a failed Reflex save might destroy the +1 but not the more expensive +3.

I told them that they could wear multiple cloaks if they wanted, but the one providing the current bonus was the one that would be affected by a failed save. They didn't necessarily like it, but it seems perfectly reasonable to me.

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