Ok, so at level 12, I am going to take 88K gp and buy equipment for a level 12 fighter. Let's say his starting base stats are STR 16, DEX 12, CON 14, INT 14, WIS 10, and CHA 8. This is, I believe, 28 point buy. At level 12, this will be STR 19, DEX 12, CON 14, INT 14, WIS 10, and CHA 8.
AC boosting items:
1. +2 Full Plate. +10 AC, 5,650 gp.
2. +1 Animated Heavy Steel Shield. +3 AC, 9,170 gp
3. +2 Ring of Protection. +2 AC, 8,000 gp.
4. Dusty Rose Ioun Stone. +1 AC, 5,000 gp.
5. Boots of Speed. +1 AC when activated, 12,000 gp.
AC: 29, 30 when using Boots of Speed.
Touch: 13, 14 when using Boots of Speed.
Flatfooted: 28
Other equipment:
+2 Spiked Chain, 8,325 gp.
Amulet of Health +4, 16,000 gp.
Gauntlets of Strength +4, 16,000 gp.
Cloak of Resistance +3, 9,000 gp.
Leftover gold: 849 gp.
Earlier Visigani said that the monk was the most balanced class in D&D because he did not overshadow anyone and could not be broken. That does raise the question of what he is supposed to do. I have heard it said that the monk is supposed to be a support character. If so, then how is he supporting people? Ok, sell me on that. Support classes like bards can give out numerous buffs to make people better at their jobs. What is the monk doing?
To be honest, when Visigani said "balanced" it seems that what he means to say is "weakest".
tl;dr: That word you keep using, I do not think it means that you think it means.