I think i asked/explained wrong. Minsc, for me right now, has a base AC of 8. With: Helm of Bauldron (ac bonus of 1), ring of earth control (ac bonus +1), ring of gaxx (ac bonus +2), sentinel +4 (armor class 5), and drow full plate +5 (armor class -4).
Now, if minsc is at base 8 and i toss on that full plate, his AC drops to -6 right away. So, I guess that is effictively a -14AC armor which would, infact answer my own question.
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hi
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