There is one point in the game where one of your party must equip a special quest item which is Plate Armor. There is only one path forward and no way around it. As you say, you could possible switch party members at the appropriate time.
The equipment restrictions are relaxed for this armor, but I never attempted to equip it on a Wizard. Perhaps some one else has tried this?
I can try it and get back to you later.
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