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I gave Camillia Air Barrier hex, Daeran Spirit Shield.
Like said high dex and there are spells and gear that increases your armor class on these high dex characters too.
All depends on how you build the character really.
Additionally armour can cap your dextery armour bonus and all skills depending on dex are penalised. Mithral armour is an exception.
On top of that, keep in mind that if the character can get a mount, that'll basically negate the speed penalty anyway.
Medium armor is for executioners assassins, and barbarians , it gives them decent defense for hand-to-hand combat and does not make them slow or penalize their dexterity so much, which makes them hit more times in the same turn and other benefits derived from dexterity.
Light armor is also used by archers or assassins if what you are looking for is to have a character who is not on the front line and has defense and the dexterity penalties are minimal, also if you want to have a magician or a cleric who is not so weak. If an enemy approaches him in melee he can resist something
Now there are also mithril armor, the advantage is that they are lighter. For example, if you apply heavy armor on a melee tank, its movement speed penalty is no longer affected and if you apply it on a magician, its spell failure rate is no longer affected. with armor it is considerably reduced
This is in general aspects since the armor and all that section is much deeper
What I'm getting at is that you have to think logically, for example a barbarian does not need heavy armor that prevents him from moving quickly on the battlefield, in his case he needs light armor or medium armor that gives him mobility and certain resistance to attack ruthlessly, since its role is not to be a tank, but rather a dps and support "enough" for the group's tank to really absorb the damage or only use it as an offtank if necessary.
This same applies to all classes, the game is very well designed to bring that "realism" to the game, although obviously if you level up you can perfectly make your "barbarian" a front line tank with the correct skills.
Armor's maximum dex allowed (even with mythril armor) just does not scale well at mid to late game, especially once you start leaning into splashing classes.
This results in not enough heavy armor found early game for your fighter/paladin/hellknight classes that CAN wear heavy armor and dont have high Dex, while almost every other class has high enough Dex that they would never want to wear anything more then Medium chainmail and will eventually (as you collect +dex gear, and more class features) will want to drop down to light or even no armor to take advantage of high Touch AC as well.
Or wear a dex belt and a medium armour and be fine with a reach weapon. Mage armor is 4 AC, there are plenty of armours that give that, so why burn a spell for something you can wear for free? Plus some armours have bonus features. Like the Chainmail of Dragonfly, medium armour, base 6 ac, +3 enchantment and max dex bonus of +2. So even with a base 10 dex, a single +4 belt or cat's grace give you the +2 dex. So for a single spell or item you get 11 AC, compared to 4 ac of just casting mage armour. Plus that armour gives a very nice aoe +1 insight to hit and to dex against demons. But you right might as well go naked eh?