I'd greatly appreciate some help understanding the armor system better so I can make more educated guesses on which pieces of gear I keep vs vendor. For example, right now if I find a piece of armor that is Apply 7, -1 AC versus another that is Apply 1, -7 AC, I am completely lost. All the testing I have done seems to yield very inconsistent results. The armor class 'helpfile' also looks like it could use a healthy makeover in this regard.
From the 'identify' information, I've seen armor will always have a Mat Class. Sometimes it will also have Apply and AC.
Mat Class - Common sense would tell me metal should make me more damage resistant and less likely to take hits than leather, but this doesn't necessarily seem to be the case. It might be because I don't understand apply / ac and their interaction in armor calculations?
Apply - Very variable, sometimes seems like it affects damage resistance (at best 1 damage reduction per 10 apply), sometimes seems to affect how often I get hit.
Armor Class - Mostly seems related to how often I get hit.
Please enlighten me!