You can get a full set of banded for 91pp (91 AC, 1pp per AC). I would shoot straight for that.
Next step would be to get 500p for two 5/55 rings.
Not worth skilling up smithing yourself.
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Fezzig - Ogre Shaman
Rudge - Dark Elf Enchanter
Zaral - Half Elf Bard
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