I disagree. By the time a monk gets through a kensai/mage's stoneskin, not to mention mirror image and other defenses, a kensai/mage could have cast lower resistance enough for the monk to have zero magic resistance. The +3 attack modifier really means nothing at high levels. On top of this the kensai/mage can summon a swarm of monsters, or simply timestop and run up to the monk and start hacking away. I've killed high level dragons and demons in one timestop alone, it's crazy. And with some lower resistance and greater malison, the monk will fall after one finger of death. I'm currently soloing watchers keep and the ToB expansion with a lvl 12/20 kensai/mage, dual-wielding crom-fayer and the celestial fury. Thac0 is -13 on each arm, and and AC is down to -7 without any buffing spells. With tensers transformation I have 240hp and 6 attacks per round, and various items allow me to cast level 7 spells with a 0 time casting factor. Every group of high level demons in watchers keep, as well as the hordes of fire giants all look helpless in comparison. Quivering palm isn't really that great either, because it seldom works on the enemies you really need it for.