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Yes, tumble is a skill. And the skill points counts from Dexterity bonuses.
Heavy Armors, such as Full Plate, have a Dexterity Max bonus. And most of them said : "Max Dexterity Bonus : 1". This means whatever Dexterity bonus point u have (+10 or even +20), it will be count as 1 if u use that heavy armor. And that means "any" skill based on Dexterity bonus points will be affected accordingly.
Some medium and Light armors also have maximum dexterity bonuses. So make sure check the armor characteristics first.
My Char is Sorcerer 14/ Red Dragon Des 10 is using robes instead of light, medium or heavy. Cause most of robes will allow u to used your entire dexterity bonuses.
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