Tunare High elf for only
http://wiki.project1999.com/The_Four_Idols
Brell Dwarf for only innate +5 MR
Halfling for sneak (I know of someone who has a highly geared 60 dwarf cleric, remake as now a highly geared halfling for just for the sneak) Be a brell for the dwarf armor now.
Human only Bertoxx or Mith Mar for the Imbue jewelry,
http://wiki.project1999.com/Terror_Forged_Mask, and
http://wiki.project1999.com/Mask_of_the_Tundra_Walker
Gnome Bertoxx for the imbue jewelry.
Dark elf is overrated. The snare neck is overrated, and also nobody uses any of their "special neck" necklaces.
Anything an erudite can use a human can use with faction work.
All culture armor will be shit canned come velious. Dwarf is pretty good now as is High elf. Human is meh depending on the deity. But again, none of the armors matter in velious.