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But if AC isn't your main concern you can get some middling decent ones using heavy armour. It gets better when you start finding mithril armour, which noticably reduces the penalties for heavy armour.
In second place, the heavier armor is the better in terms of protection , for example, a character even with a lot of dexterity (20 at lvl 1) with a chainshirt (the best light armor) will have 18 ac (+4 for dex, +4 for armor), the same character with a full plate armor will have 20 ac (+1 for dex, +9 for armor). Heavy armor have high penalties for some skills? Yes, but you dont need a high skill score in all of your characters, your archer (lann, wenduag, aure) can have a high athletics, movility or stealth score with light armor.
In this game the Mage Armour spell gets ridiculously powerful with the Archmage Armour mythic feat. After a few mythic levels it's as good or better than most heavy armour.
The best reason to actually use heavier armours is if they come with powerful abilities/enhancements. They're not worth considering for standard defensive ability. Most of the feats that exist in tabletop to make character good at using armour - equivalent to the unarmoured bonuses - have been left out of the game. Someone at Owlcat evidently doesn't like the bulky, armoured aesthetic.
The real trade off is dexterity vs armour bonus. Heavier armours give more armour but allow smaller bonuses from dexterity. If your character has a low dexterity then there's no penalty to heavy armour and you might as well slap them in plate. If they have a high dexterity then sometimes it's still good to slap them in plate, if the extra armour bonus is greater than the dexterity bonus they can't apply. As is the case in the worked example of an unbuffed first level max dex character with no class features.
A character whose job is not "Have the highest AC and get all enemies to attack me" can do just fine in heavy armour right through to the end of the game. A character who's aiming for a high AC to be the main thing they do will likely use items and spells that provide a bonus as if they were wearing armour while having a very high dexterity (or other stat they've found a way to substitute for dexterity)
I wouldn't overly worry about when mithril shows up, it's a nice boost when you get it, but heavy armours are perfectly viable before you do.
that said unless your a frontliner heavy armor is optional
It just makes the game better (and limits the excessive accumulation of stats), armor included.
But yeah, the highest ac you can obtain with muliclass (Monk scaled fist + Oracle with nature wispher for double cha on AC + some level of magus with int on ac, cranestyle... there are some guides abot to get nearly an ac of 100
a) 1 level of Monk / IW isn't costly.
b) Investing into Wis is a fine idea for Fighter as his own Will save is so weak (and Will usually rolled for nasty disable spells).
c) I don't remember clearly but IMHO fighter still keep movement penalty from armor and it's annoying.
And on top of it - you could ignore all that non-sense by making fighter pure damage dealer using reach weapon to strike from second line.
Don't know about DLC but in vanila you don't need anything higher then 80 even on Unfair :)
So such "pure tanks" in most cases were either early game only mercs or completely ruined characters (as they would lack damage for endgame).
Classic Sohei / SS damage dealer build is soooo much better then pure tank.
a) Armor indeed would do nothing against being hit by elephant.
b) Owlcats nerfed casters several times while almost never nerfed melee (and melee have much higher sustained dps).
Yes, you are slower, early it is very annoying, but mirgame + it dosnet matter. you have rapid retreat, haste, the lvl 2 cleric spell, the removes the penalties, a mount, longstrider, boots with more speed, coocking recipes with speed bonus... and some options to move faster more.
One lvl monk is AC wise not better than figther + amortraining, unless you have dex ans wis high and invest in both. Besides, not everyone wants to play a lawful char and many of ur companions are not lawful. But it is a easy way for cranestyle and a nice extra saves bonus. Traditional monk 2 can be o good dip for a marttial, that want some defensive power.
And yes yes, Sohei is a verry solid alternative to a fighter for the MC.