If you have a class bonus that is applied to one AC (DAC), armor and magic applied to the other (NAC), dex applied to both (it'd be silly otherwise)...
you mention three cases:
Attack < NAC: miss
Attack => NAC & < DAC: subdual
Attack => NAC & => DAC: normal hit.
Now, is the defense AC the normal AC with a class bonus applied? I was reading it as if it were not, but rather with a class bonus replacing the armor bonus, in which case there is a situation missing.
If it is added to the armor bonus...it doesn't make much sense, and seems backwards. Whether you get hit or not should be based on the class bonus, with the armor determining what you take from it, and maybe Dexterity. You are trying to avoid the hit and the wound with or without armor.
Your ability to avoid the attack/wound comes first (10 + dex? + class bonus), and then the armor comes in and helps soak the hit after that fails (10 + dex + class bonus + armor), unless the hit is too powerful or aimed too well (normal damage).
Note I use the touch attack part because it is needed for normal D&D magic w/o magical defense items. All those magic armor bonuses affect touch attacks (or at least enough of them do), and if you remove them, the spellcasters become very powerful. The class bonuses in other games, mainly WoT, since I have the book for it, have a maximum progression of +1/2 per level...which matches up perfectly with wiz/sor BAB.
I'm using reference progressions of 2 + 1/3lvl, 3 + 2/5lvl, and 4 + 1/2lvl. If armor is counted in the AC, the +2,+3 and +4 bonuses can be removed, as then fighter-types have the advantage of medium and heavy armor proficiencies, and that armor is included in the AC, where in WoT at least, it isn't, unless it makes the AC higher than w/o it. The fighter will still get to a point where he can hit someone of the same power easily, but when the most possible damage (not counting crits) is 2d6 + 10 (18 Str, Specialization (Greatsword)), it's not so bad.