Question about Agility.

[Yuda]

Revisiting an old topic here, if someone could answer my question I would appreciate it.

I made an Ogre shaman and did not know about this minimum 75agi or receive avoidance penalty which negatively impacts total AC value.

Is this 75agi value only counting from your natural agi stat, that is without any buffs or stat benefits from armor?

If that is the case I regret not putting 5 stat points into AGI from the start as i think the AC value is very important to the shaman, solo or in group.
I am lvl 40 now so i will not reroll, however the min-maxer in me is curious about it.