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overall 120 armor pen is needed, 240 is probably the highest you realistically need
as armor represents chance to negate damage, it's important to have AP, armor penetration, as much as to nullify Armor of enemy. Armor is calculated as a Logarithm, meaning that with small numbers of armor a proportionally large quantity of chance to deflect is rewarded. Increasing armor has diminishing effects on that chance. If AP is just subtracted from Armor value of target, then it means that the less AP you have in respect of target Armor, the less it will reduce as well the chance of deflecting attacks. As AP number approaches to total Armor of target, it is more influencial. Let's say two enemies have 190 and 280 armor respectively. With 1 beast card, you reduce first armor from 190 (50,5% deflection chance) down to 100 (36,1%), so cutting by 14,4% deflection chance. For monster number 2, armor goes from 280 (60% deflection chance) to 190 (50,5%), reducing deflection chance by 9,5% only.
That said, from my game experience in hardmode, every enemy has at least 120 Armor (40% chance of deflection), tough enemies have from 170 to 230 (47% to 55%), bosses and champions have from 220 to 290 (up to 60%). Very few monster with more than 290 armor, so not needed to go over 290 AP.
Those values of armor are just my game experience, experienced players can tell a different&realistic story.
Also, considering attack speeds of weapons, rising AP as high as possible can be crucial. You don't want to waste your hammer attack after have being hit 3 times, don't you?
As for formula to calculate chance of deflection in respect of armor, look at this discussion