I'm not really talking about what the character is trained to do, or what they're specialized in. I'm just saying that if you're about to go on a stealth mission, maybe change into some armor that doesn't give you disadvantage on stealth.
I know, I know, that's a super-hot take. Somehow.
I went through every campaign using my master subscription currently and out of 28 PCs, 18% have dex of 10 or less. I have no idea how common this is of course but it's been pretty standard for every PC in heavy armor I've ever played with.
As an example the paladin I'm currently playing would go from an 18 AC to a 13 AC. Changing into breastplate increases my chance of getting hit by 25% when I'm already taking the brunt of the attacks since everyone else is always hiding behind me.
Meanwhile my stealth is a -1 so I would still probably fail checks anyway. I also need to spend an extra 400 GP on a suit of armor I'll use once in a blue moon. All because I don't want to have yet another dex build.
It's not as simple as "just put on different armor".