Well, to be fair, you could address the problem keeping your dex score high and equipping a pair of bracers of armor.
On the other hand, stacking magic items never gave me the idea that my character was skilled at something

So, as far as 3e goes, here are a couple of ways to play a "skilled swordsman".
Keep in mind that they're not optimized by a long shot, and that in many cases, they give up a lot to achieve their high AC.
Anyway: Duelists are one of your best bets. Take Einhander (PHB2), Deadly defense, a couple of levels as a monk, Carmedine Monk (Champions of Valor) and you're set: 35+ AC when fighting defensively at higher levels, before magic. I played a monk 2(cobra strike variant)/Swashbuckler 1/Fighter 2/Scout 4/Ranger 2/Duelist 10 in a high level one-shot game a couple of years ago. He was pretty much untouchable ( 78 AC when fighting defensively, without combat expertise, IIRC).
If you're not going the Duelist route, two weapon fighting is your friend.
Two Weapon Defense ( and relative chain ) are terribad as far as optimization goes, but they're pretty flavorful and not that bad coupled with certain classes. For example, the TWD chain, 4 levels as a thief-acrobat and 5 levels as a Tempest net you +8 AC when fighting with 2 weapons, and another +7 AC when fighting defensively.
Dervishes are even better ( and TWD is not such a bad idea for them to take, since they can't use shields, so Improved Buckler Defense is out): a dual wielding Scout 4/Ranger 2/Tempest 5/Dervish 9 with Swift Hunter and Improved Skirmish can easily reach AC 40 without magic items, whenever he moves 40+ ft during his turn ( Expeditious Dodge (RotW), +2 Skirmish, +2 Improved Skirmish, Elaborate Parry, Two Weapon Defense...) while still dealing a decent amount of damage.
Other options to increase your AC include Improved Combat Expertise ( CW), Armor of God (Complete Champion), Swift Ambusher and Daring Outlaw ( Rogue 12/Swash 3/Scout 3 deals a ton of skirmish/sneak attack damage, and stacks the Swashbuckler's dodge bonus with the Scout's Skirmish bonus ), Invisible Blade ( a cheesed out monk/invisible blade/duelist adds his Int bonus x3 to his AC with Carmedine Monk )...
In the end, playing a character that's good at defending himself in 3.x is not impossible, just pretty hard and not really the best choice from an optimization standpoint
