Celebrim
Legend
This would not be correct strictly speaking. Spells such as bless also adjusted the armor class of the target rather than the die roll. If Joe had the benefit of a bless spell in this scenario then he would need an 11 to hit AC 5 instead.
No, no, you have to be very careful in your language here. A spell typically grants a +1 bonus to AC. That +1 bonus does not improve your AC from 4 to 3 (remember, lower is better) because you haven't changed your base armor (it's still owed to whatever source), it literally gives you an AC of 4 with a +1 bonus. Now, that is the same as AC 3 for every case but weapon vs. AC modifiers. With weapon vs. ac modifiers, going from AC 4 to AC 3 might represent anything from a big improvement (needing two or more better on the die to hit) to no change (needing the same number to hit on the die!). However, a +1 bonus to AC always represents needing 1 higher on the die to be hit.
So if Joe gets a +1 bonus to hit, he hits things with 1 lower result on the die, and if Joe gets a +1 bonus to AC, things hit him only with 1 higher result on the die, but his AC doesn't actually change unless the spell says something like, "This grants the user a 4 AC." or "This grants the user protection equivalent to plate mail."
These sound like house rules, but based on my reading of the admittedly confused text, I honestly think that this was the intention of the rules. My only innovation was clarity.