I know, but I preferred to obtain the advantages that allowed me to improve the skills and add the modifiers of each of them, rather than the survivability that Armor Lore grants. As you will see, at level 75 there are 3 mastered skills, and in my case I didn't really need to raise the armor until almost the end. However, the lack of skill points can be made up with equipment that has a + X to all abilities, which makes this inquisitor really lethal.