The armor listed here is for brand new, exceptionally crafted armor. If you use below (NPC bought) or above (magic) exceptional quality armor, the dex penalties will be the same. The AR, however, will be different.

If you're not sure what characters have or don't have meditation, go to the character creation section. All characters and their skills are listed there.

Male chars w/o meditation
- Plate helm - Plate gorget
- Plate chest
- Studded arms
- Studded gloves
- Studded legs

Results
38ar, 12 dex loss

Female chars w/o meditation
- Plate helm
- Plate gorget
- Female plate chest
- Plate gloves
- Studded sleeves
- Studded legs

Results
35ar, 9 dex loss

Male or female chars w/ meditation
- Leather cap
- Leather tunic
- Leather gorget
- Leather sleeves
- Leather arms
- Leather legs

Results
15ar, no dex loss

Thanks to KH for the above information.

'Dex' suit
- Ring Mail Tunic
- Ring Mail Leggings
- Studded Gorget
- Studded sleeves
- Studded Gloves
- Nose Helm
- GM Shield

Results
~40ar (with GM parrying), -3 dex loss

Note:
The dex suit works great for short encounters. You will find your self replacing studded pieces often. Especially if you use them in long encounters.