[MENTION=6788929]Diamabel[/MENTION]: yes, I've been considering the non-armor bonuses:
Monks: I'll give them a flat +1 AC, no damage reduction.
Barbarians: I'll allow them to re-roll 1-2 once on their d12 for hit points when they level up. This is a small compensation, but then again barbarians do have the choice to don light or medium armor.
Natural armor and Spells: It's likely that I would award damage reduction according to armor-equivalent bonuses:
11-13 = light armor equivalent, so DR = 1
13-15 = medium armor equivalent, so DR = 2
16+ = heavy armor equivalent, so DR = 3
I'll leave some space for subjective adjudication here, depending on the type of creature.
I'd have to rule from the outset for Barkskin (AC 16) and mage armor (AC 13) so they'd probably be -3 and -2 respectively.
Or, maybe the spells and natural armor creatures don't get damage reduction. Because, the creature made from rock doesn't have a distinct armor, it's its skin that is chipped when you hit the hard stuff. Hmmm. Dunno. This would make PCs and armor-wearing NPCs tougher than non-armor wearing monsters. Do I want this?