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Armor penalties apply to all arcane spell casters, including bards. Padded armor or mage robes are the best bets. I don't actually play alot of bards, i am a bard, but when i do, i'm looking at things like Arcane Archer, where I don't really have to get close to enemies, I have tanks for that. Don't remember off the top of my head, but i think that bards have light and med armor and can get the heavy armor feat, i wouldn't waste that feat on that though, as the penalties for the spell casting way outweigh the benefits of the armor.
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