Thank you. Don't see why it's "they don't wear armor" rather than "they're hiding they're wearing armor", though.
Well I disagree with the opening post. Outside of Unarmored Defense (which require MADness as we all know), any of those methods give you below decent AC unless you're investing more than a bit in several of them.
Can't have only backline characters, that's the thing. Unless your PC group is expert at fleeing.