I would rule that Natural Armor only stacks with dex and a shield.
All the above examples of something with tough hide putting on say chain mail, and then have the AC of the chain mail seems correct to me.
However, if the person/creature with tough hide picks up a shield, that should help their AC.
All the above examples of something with tough hide putting on say chain mail, and then have the AC of the chain mail seems correct to me.
However, if the person/creature with tough hide picks up a shield, that should help their AC.