Yeah it just circles back to is or is not the Monks AC bonus an untyped bonus. or is it an Ability modifier bonus.
Personally I see it as the ability is the source and the # just happens to key off of a stat.
Which should be the 3.5 ish view on it considering how the Monk AC bonus has always been viewed as a 'blank' typing that just stacks unless an ability states it does not.
I think the Monk AC bonus working virtually different than ever other AC bonus of this type is important to. Other bonuses that are keyed to a stat mod always state X stat mod (Ex; add Charisma modifier to AC). So as someone mentioned earlier and I had to reread into things to verify myself. If someone drains your Stat Modifier those abilities apply a negative. But the monk ability as it's wholly unique is instead X+ conditional if yes + stat. X being the 1-5 level bonus of being a monk itself then your stat mod only if the mod from stat is a positive number. With the ability removing your stat # if it goes negative. So shouldn't be looked at on the AC tally as "+ Wis/Cha mod" as it isn't actually that. It's an ability filtering to add both the flat monk chunk and only positive #s from a stat mod.