Another question which I already posted in the wrong place: say that I've got a Qu of 76, thus a Qu Bonus of 6. This should grant me a DB of 12.
Now I want to be a little safer when hit, thus I use a Soft Leather Armor (fitted) and I train (4 ranks) for that, so my DB becomes 32. Argh, this has a casting penalty of +2, but I will live with that.
If I want to be even safer, I'd go for a Studded Leather Armor (fitted), which requires 8 ranks of training and has a casting penalty of +4. I get a DB of 37... sigh. And I also get a -5 to my OB and any other ability related to movement, like Climbing, Riding, Jumping, Ambush, Locks & Traps, Stalking & Hiding or Sniping.
Well, this is sadly unbalanced. This is why everyone goes for talents: Agile Defense, Dense Musculature, and Instinctive Defense.