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It obviously doesn't make you invulnerable though. There isn't (and shouldn't be) an armor that makes you unhitable.
Damage mitigation is more important than AC imho. Damage Resistance, Temporary Hit Points, and Increased Max Hit Points will go a long way to bolstering any character, regardless of their AC.
Currently my highest AC is my “squishy” Rogue with 21 AC no shield, it’s absolutely helps. But i satisfied with Laezel who can absorb a lot of standard damage because of her Adamant forge armor.
Probably a good thing. Remember Neverwinter Nights? A build wasn't a build unless your character had 40+ AC.
Sounds like you haven't found the cloak of displacement
Or they displaced it.
It honestly depends on your build & party, you might make a character so elusive it rarely ever gets hit but once hit will fall over like a leaf. Contrary to that you might also make a party build upon buffs or debuffs.
you can have a tank at 14 AC and that would be perfect based on what race, class or build it is but u might also have 24 yet frail to a certain type or very limited and not versatile.
Natural:10
CON: 23 (+6) Amulet of Greater Health
DEX: 18 (+4) Gloves of Dexterity
WIS: 20 (+5). Start with 17 WIS and use ASI
So 10+6+4+5=25 without armor or shield and you can also have rage.
and if you use also mod/cheats and you have all stats to 30 (+10) then 40 is max AC.
I forgot also +2 AC from ring of protection and cloack of protection and there is also bracer to give +2 AC, you will not have dex 18 but maybe you can max dex with asi and a boot of +1 AC
monk and barbarian unarmoured defence doesn't stack.