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Going back slightly the +1,+2,+3 works in reverse for armour and saving throws in that it actually reduces your AC or saving throw which is beneficial.
+1 may not seem like a lot but Baldurs Gate two combat is calculated using a 20 sided dice simulator so the bonus is actually far more beneficial than it sounds.
minor spoiler
Clay golems can only be injured by +1 or better blunt weapons-clubs, hammers, maces and the like.
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