Armor of Unwarranted Bravery

While you wear this armor, you have a +3 bonus to your AC, and your Wisdom score increases by 3.

Unwarranted. Thanks to this armor, you believe your ability is much greater than it is.  You can not be frightened by any beast with a challenge rating higher than your level, up to and including 10 above your level.  However, because you are only looking at the big picture, you gain disadvantage on saving throws against being frightened by any creature with a challenge rating of 4 and below.

Curse. A curse on this armor makes it so that, once donned, it is near impossible to doff unless the wearer is hit by remove curse, or another spell with similar effects, at the GM's discretion.  If the user tries to remove it without the spell, they must succeed on a DC 15 wisdom saving throw.  If they fail, the armor stays on.  If they succeed, the armor comes off, but they take 4d6 necrotic damage and are frightened of all otherwise friendly creatures for one minute.

This armor consists of a fitted metal chest piece worn with supple leather. Although it leaves the legs and arms relatively unprotected, this armor provides good protection for the wearer's vital organs while leaving the wearer relatively unencumbered.

Notes: Bonus: Armor Class, Bonus: Wisdom Score, Immunity: Frightened, Damage, Combat, Warding, Cursed