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The clothing is replacing unarmored defense bonuses for Monks and Bards with its innate +4 AC, and it shouldn't work like that.
This is different from 3.5e when Mage Armor provided +4 armor bonus to AC. In 3.5 we had the different AC sources (armor, deflection, dodge, natural) and bonuses from the same source would not stack, so if a person wearing armor would not benefit from mage armor if their armor bonus to AC was already higher than that.
In 5e, however, all AC bonuses stack, and the difference happens when items set BASE AC values, which is what the Empress Garb is doing in Solasta (setting base AC to 14 + dex), when it should add +4 AC bonus since it is not technically armor. If it were armor, monks would not even be able to wear it, and it would deactivate Martial Arts.