The earrings stick out because of the negative, but there are some other interesting slots if you don't value ac vs prioritize it. For example in helm, you might choose a 16 ac crown of rile or 22 ac white dragon helm if you don't value ac but there are 45-55 ac options depending on class.
Sorry I don't have the experience with knight/warrior ac to answer your question. Monks do seem to thrive with high ac though.
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