AC will be getting some adjustments for the better soon. Unless you are tanking mobs, you watch AC. The highest I go in extra coin weight over cap is 5 to 10 stones before I bank my coin and start again(soloing). If you are in a group and have a tank then it doesnt matter too much.
Edit: Also, post 50 ac works much better than below 50. Ive been parsing some fights and at 55 the tanking parses are fairly close to live.
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