Remathilis
Legend
This was the case for Star Wars Saga edition. Your defense was the better of Dex+Armor or Dex+Level or something like that. It made armor better to use at lower levels, but as you gained experience eventually you'd want to wear plain cloths. There were exceptions to this rule, like armor which enhanced certain attributes, but for the most part not really the norm. Case in point, Han Solo was such a high level that his Level bonus was higher than any armor he could wear.
Having played some various d20 Star Wars games in my day (Revised and Saga) that is the feel I was opting for. A system that lets you run around in suits and Victorian gowns and yet have some protection beyond straight Dex. Considering the time era and tone, I'd willing to try it, though I wouldn't do so in a traditional D&D game.
So Most PCs will have a starting AC of around 13 (8 + 2 + 3 Dex, with firearms being so important, Dex is going to be a god stat anyway. Embrace it). and maxing out at 19 (8 + 6 +5 Dex). Keeping in mind that a.) The concept is to use MM monsters mostly as-is, b.) magic items are extremely rare and c.) most PCs aren't going to have access to armor or shields, this seems like a good range of ACs (well within or even below bounded accuracy levels, where PCs routinely have 16 or greater ACs at level 1). Again, this all fits the genre and is to encourage PCs to go armorless, so it works for me.