Jack99
Adventurer
Kung Fu Panda.
As I said earlier, arguments such as this just proves my point

Kung Fu Panda.
By that metric, I could shapeshift into a fox, and still fire a bow.Kung Fu Panda.
The bear is AC 11 (natural armor), per PHB p.304. That is with a Dex mod of +0, so its' "wearing" 1 point of natural armor. As a DM I wouldn't allow the Monk's Unarmored Defense ability as it is meant to be used while not wearing armor. :>