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I think its only true for light armor vs no armor, medium and heavy shoud still beat it without overweight and other penalties.
And if im not mistaken only goblin and maybe gnome halfling can achieve it.
5AC LG robes+8AC bracers+5ACvestments=18AC
Best mithral armor is 14AC, so 17AC even with dex mod(cause I wanted to give plate a handicap).
Mic drop. Oak will be better(and even then not if we were to stack all numbers), but that's not what you are arguing. Hopefully would teach you to learn a bit about the subject you talk about.
I assume by oak you mean the oak pelt that is unique to kingmaker? I definitely don't know kingmaker specific items. That was just a blanket statement on PF gearing. Non enhanced mithral plate (robes and plate can get same enhancement so ignore) with +3 max dex is 13 AC. Takes 36 dex to be equivalent on a robes character. Before adding AC from another stat. You can get more AC from a robes character then an armor wearer if built properly. Was speaking to the OP question of how naked can be more AC than heavy armor.