Originally Posted by
elonin
If your items are attended (worn for armor) then they don't have to save unless you roll a 1. And it's up to each DM as to if they want to roll for all your items in that case. So don't worry about the armor.
I don't understand what you mean about your armor having a natural armor of some value if it is attacked. Are you referring to it's resistance to being sundered? Many tables have the same sort of agreement with sunder that they do with disjunction. If the players use it then it's fair game for the DM.
Your third question is really up to the DM. To be honest I've never heard of a DM targeting armor, as it's normally just more effective to mess with or kill your character directly. The only time I've heard of sunder being used is against weapons.
Having played high dex characters before I like Mithrial Chain but that goes only so far. Inertial Armor is great and naturally has no max dex bonus. Neither do bracers of armor. If you can talk your cleric into casting magic vestment on you that works also.