I wouldn't worry about it at the lower levels. You will lose some AC but its not enough to make too much of a difference. You would have to pretty much destroy all loot and money to stay under. The limit slowly increases a bit as you get higher. Higher up mobs start hitting hard and you want all the AC you can get
I would save up for some weight reducing bags and some Cured Silk (very light weight).
Around 30, you can get a group together or find a high-level to go to Dalnir's Crypt for some Crescent armor
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