[Dianae]

But the saves aren't truly additive. you take the best bonus from the classes at each level. I go from 2,2,2 at 1st level to 3,3,5, a gain of +3 to my reflex, when monk gives +1(when it goes from +2 to +3) or Ninja gives +2.

No class gets +3 to a save from normal level progression. you either get +0, +1, or +2, and the +2 only happens when you have the first level of a new class.

That line of logic would be like saying that lvl 1 monk has saves of 2,2,2 and since level 2 of monk says 3,3,3 then my 2nd level monk would have saves of 5,5,5.

I'll use the Adjustments to get things back into line. I'll see what else I can find to help you beta this.