How is the game's armour is balanced

Now let's assume everything come at a price (damage med= res max = def max)
And armour has given some 'money' to buy buffs, and their able to take 'loans'

say the 'allowance' of armous is 8 per peice
skolver has sword med, freeze max, 3 max peirces (compared with the bars to a trinks) and 3.5 max
that's 8.5

Choas :
Uni CTR and Damage med, and 2.5max ele and norm defs
that's 11
And it loans for 4 med resistance
that's 9

Mad bomber:
med ctr and damage on bombs, 2.5max ele and norm defs
that's 6
but it still loans 4 med resistance
that's 4, What?

Kat kowls:
double lows, 3.5 shadow and 2.5 norm, max freez
that's 7
loans a med shock and low curse
that's 6.75

Ironmight:
4 norms( i've been told the bar goes beyond the meter?), 2.5 peircing, max stun
7.5
loans a sleep max and ASD low
6

TL;DR: some stuff are too OP Some are kinda UP. fix it.