Yea, EQ should be using your total AGI (including negative modifiers) when calculating your avoidance.
Here's a table (pinch of salt) that tells you how much penalty or boost to avoidance you get depending on your agility and level:
Code:
Level Agility
40+ 20-39 7-19 1-6
-24 -24 -24 -24 1
-23 -23 -23 -23 2-3
-22 -22 -22 -22 4
-21 -21 -21 -21 5-6
-20 -20 -20 -20 7-8
-19 -19 -19 -19 9
-18 -18 -18 -18 10-11
-17 -17 -17 -17 12
-16 -16 -16 -16 13-14
-15 -15 -15 -15 15-16
-14 -14 -14 -14 17
-13 -13 -13 -13 18-19
-12 -12 -12 -12 20
-11 -11 -11 -11 21-22
-10 -10 -10 -10 23-24
-9 -9 -9 -9 25
-8 -8 -8 -8 26-27
-7 -7 -7 -7 28
-6 -6 -6 -6 29-30
-5 -5 -5 -5 31-32
-4 -4 -4 -4 33
-3 -3 -3 -3 34-35
-2 -2 -2 -2 36
-1 -1 -1 -1 37-38
0 0 0 0 39-65
1 1 1 1 66-70
5 5 5 5 71-74
39 33 23 9 75
40 33 23 10 76-79
41 34 24 11 80
42 35 25 12 81-85
42 36 26 12 86-90
43 36 26 13 91-95
44 37 27 14 96-99
45 38 28 15 100
45 ?? 29 101-105
46 ?? 29 106-110
47 ?? 30 111-115
47 ?? 31 116-119
48 ?? 32? 120
49 ?? 32? 121-125
50 126-135
51 136
If your agility is still below 75 by level 7 you'll be far less effective at avoiding attacks than you otherwise would have been. Shouldn't be too important with a fungi though.
Get a cheap agi item and you'll be fine at later levels.