I don't know about anybody else but I started a custom character and did not put anything into the physical or magic armor skill trees and my armor both physical and magic were high enough by level 5 that it did not matter the skill trees really add very little to the total amount unless you are investing all of your skill points into one tree. That may change with full release and higher level armors but I don't see it affecting it that much even after release if you do a break down on the percentage gains from the skill its really not that much and one can play at least through act 1 without putting anything into the skill and still being OP.
