Interesting - I did a little messing around. It appears that there may not be a simple answer to the AC penalty question. My level 33 monk shows no penalty until he hits 17 stone. At 16.9 stone, no penalty. From there, the difference appears at transition from x + .9 to x + 1.0 stone up to and including +30.0 stone, but may be at different points after that. I do not know if there is a cap, though I suspect before your AC hits zero you are encumbered to the point where you cannot move anyway.
stone AC
17.0 -3
18.0 -8
19.0 -12
20.0 -15
21.0 -20
22.0 -23
23.0 -27
24.0 -32
25.0 -35
30.0 -55
35.0 -59
40.0 -68
100.0 -107
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