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As for the arcane armor penalty, there is none in 5e. If you can gain the heavy armor prof as a wizard, you can cast for days without failing to cast!
Of course you need to get proficiency in the armor if you are a wizard. That means gyth or certain dwarves or lightly armored feat (at 4th) for EA. In the full game, you can armor proficiencies via multiclassing also.
I don't know in BG3, but in tabletop not having the requited STR for your heavy armor only lowered your speed by 10 ft, you can have a wizard (with like 10 STR and heavy armor proficiency) in heavy armor that cast spells and have a speed 10 ft lower than normal.