Inherent bonuses would actually solve my problems with my original build. At least some of it.
Venerable Dragonborn Buomman Saint Cleric 15/Contemplative 1/Paragnostic Apostle 1/Cobra Strike Monk 1/Swordsage 2
Buffs active: Draconic polymorph (Pit fiend), Divine agility, Shield of faith, Bite of the Werebear, Owl's insight, Shield, Greater luminous armor, Holy star, Owl's wisdom, Divine power. Toss in Greater visage of the deity too.
Wisdom score: 21+2+2+2+5+5+4+10+4+8=57 (18 base, 2 racial, 3 age, 5 levels, 5 inherent, 8 enhancement, 10 insight, 4 unnamed,). This includes the inherent bonus I had not used this far.
Feats: Dodge (bonus from Monk), Cumbrous dodge, Divine spell power, Law devotion, Sacred vow, Vow of poverty, Vow of Nonviolence, Vow of Peace, Combat expertise, Improved combat expertise
-Armor bonus: +10 Paragnostic Apostle and Greater luminous armor. -4 to enemy melee attacks too.
-Shield bonus: +16 from Shield spell, 12 from Divine shield)
-Insight bonus: +24 from Saint template.
-Dexterity: +16, +8 from Pit fiend, +5 from Divine agility, +1 from Elation, +1 from Grace, +1 Greater visage.
-Sacred: +7 from Law devotion.
-Unnamed: +72, Monk and Swordsage AC bonus, Balance domain power.
-Dodge: +23 from +2 from Cumbrous dodge, +20 from Improved Combat expertise, +1 from Haste.
-Natural: +31, +23 from Pit fiend and +7 enhancement from Bite of the Werebear, +1 from Greater visage of the deity.
-Circumstance: +6 from Holy star.
-Deflection: +5 Shield of Faith.
-Exalted: +2 from Vow of peace.
-Luck: +3 from Recitation.
-Size: -1
224. Leadership would solve this easily, because Force screen and Inertial armor can be used with Affinity field. If my point buy let me, I'd stuck in Power attack and Divine might. While Power attack is acquired from Bite of the Werebear, I still don't qualify for Divine shield.
Also the colossal size from from Ha Naga form.
Edit: Forgot Buomman's +2 to wisdom! Here we are, 200 exactly without inherent bonuses to dexterity.
Edit: Forgot Saint's +2 to wisdom! 204!
Edit: Forgot Vow of Poverty stat boosts. Now we are at no less than 220. Or without inherent bonuses to wisdom it drops down by eight to 212. Naked AC with no inherent bonuses 212.
Let's assume he has Divine shield and a charisma of plenty: 18 base, 3 age, 4 Saint, 6 enhancement (VoP), 4 Greater visage of the deity = 35, which gives us a modifier of 12. Here we are, 224 with 32 PB.