jaelis
Oh this is where the title goes?
No armor is a feature, not a limitation, of the monk. They have offsetting abilities.
Regardless, you're discouraging the Tortle as a reasonable choice for race for any player that is concerned, at all, with efficiency with the RAW. When a primary benefit of the race overlaps with a primary benefit of your class, you're unlikely to take it. If you'd like people to feel like it is a reasonable choice, they need somthing to replace the 'overlapping' benefit.
IMO, tortle is totally a powergaming choice for monks. It solves the hard problems of the class, that it is very MAD and lacks armor. Yes they have offseting abilities, but tortles still have those abilities, plus a better AC.
Arguably, monk is the "best" class for a tortle to play. If they play a fighter, then they really are wasting their shell ability, since they could just wear armor instead. If they play a wizard, they are wasting their stat bonus.
So I don't think tortle monks need any compensation for anything... they are already ahead of the game.