I think the armor system was an attempt to encourage diverse parties and also serve as a nerf to CC compared to DOS. I felt like it was pretty inelegant. And it failed completely on the "encourage diverse parties" front.
DOS 2 armor system is what happens when an incompetent dev/dev team tries to steal a weird feature which never worked to patch a barely functionning system of their own which only worked for the first half of their previous game.
When you're incompetent, just go with a faithful adaptation of D&D and don't try anything funny with the rules.
That's the golden rule.