Actually AR should be era accurate in regards to dex loss and armor rating per GM Adam.I have found a couple of combinations that work well, for 42AR with only -2 Dex I went with barbed studded suit with Valorite helm and valorite plate arms. The arms give the most bang for their buck in terms of AR/dex. I am looking to mix in a few more with some other sets coming up.
On a side note, I was able, after LONG hours of scratching my head, to unravel the formula that is used on this server for armor. I was about to upload it to the wiki, but then I ran across a thread that (I believe it was Adam who posted it... ) said they would not release their numbers to keep a certain feeling of guesswork in UOF. I don't think I will give up my info any longer after thinking that over. All that being said, I am setting up my vendor shop just west of Covetous entrance. I will be applying my somewhat crude programming skills to a small program to develop cost in ingots for whatever suit I plug into it as well as AR and Dex Loss. I will tell you this, his formula is not the same as anything I have found on the net, and it took some time to figure out the idiosyncrasies. You should stop by over the next week and see what my little program comes up with.
Those plate arms are good bang for the buck though at only -2 dex.
Edit: Maybe I should make a pm to Adam/Shane to see if they mind this formula being out there? Suggestion/feedback welcome.