Quote:
Originally posted by SixOfSpades:
The Helm of Defense does not grant a -1 AC bonus; you may be thinking of the Helm of Glory, which does.
The lowest possible legal AC in straight BG1 is -12: You need the items you listed, Halbarad, plus one more item available near Beregost. And no matter how many people still describe the Defender as being +5, it's still "only" +3. 
If you happen to have ToSC installed, the best possible AC drops to -13, with the arrival of a very nice Shield.
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Yeah that's the helm I was talking about, my mistake.
No matter what the stats for Defender are it's title says it's a +5. But either way it still grants the AC bonus.
But the item "near Beregost" is cursed. So technically you can get that high, but who'd want to?