Still down about the armor?
Try Rings & Cloaks of Protection, Bracers of Armor and, most nuanced, magic weapons with the Defending enchantment.
Get H's H. Haversacks all around, and have (mundane) armor built for your bear forms stored within each PC's sack.
Lol, yup. Armor is still a problem, but I've decided to look past it; it doesn't really matter how high you get your AC, if the DM wants to hit you, you'll get hit. Besides, I don't want to spend all of my starting gold on the Big Six.
I think I will focus on methods of becoming more durable. If I can't wear armor, then I should try to max my hp, somehow increase my DR, etc.