@GM4Him, your suggested system seems more complicated than even 3e as it involves the possible mix-n-matching of various armor sets. I think that's too complicated for both 5e and for the level of tutorials/game-mechanic-explanations in BG3.
Each armor having 3(5) properties---AC bonus, max Dex bonus, and Skill (Stealth vs Acrobatics vs Athletics) Disadvantage---should be sufficient to create an interesting system without making the system too messy. I agree that it'd make for exciting moments where you e.g., find a magical padded armor that negates the acrobatics Disadvantage. As opposed to finding +1 Padded Armor now and thinking "this is strictly worse than my non-magical leather armor :/"
