The real answer for bard vs cleric is simple.
-Bard 252 defense cleric 200
-Bard 155 dodge cleric 75
-Bard 75 parry cleric 0
-Bard 75 riposte cleric 0
-both plate classes
-ac returns after soft cap favors bard iirc
It’s really not complicated. The only factor that might favor cleric is the wearing of a shield ... which doesn’t really stack up with the downsides.
Clerics don’t take less damage.
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