User blog comment:Orc named sue/d20 RP/@comment-19365920-20150930200628

It's not based entirely on luck alone, a skill bonus is added based on skill, and armor is at a fixed amount. Someone with a high armor skill would also get an armor bonus, so even if a civilian finds a daedric armor set, a trained ebony armored warrior could still have a higher armor class. I'll try finishing up and see how the system looks.