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What I think stargazer_dragon was saying was that since Monk has Good Saves all around, that by lvl20, if we had Monk for 20 of those levels, the saves would be +12, +12, +12, regardless of Poor Save adjustments along the way, though possibly having the +1(or +2) bonus for multi-classing a new class in at a given level.
That said, your way of calculating things, darthgator, is how I had always calculated them (baring 3.5 and pathfinder rules differences) back in 3.5
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