Take a level in Monk and go the rest Cleric. You can stack a Monk's Wisdom bonus with Dex mod and magical items, thus shaving off some feats and some coin. Plus you gain 4+Int mod x4 skill points, if you take Monk at 1st level, then go Cleric. Plus, you gain a +2 to Reflex saves. Not amazing, but handy when needed. And you get a bonus feat.
I would argue however, that AC is basically pointless against most monsters. Its been my experience that most base/average monsters, in the MM, are designed to be able to hit most AC that players can put up through the varying levels. Its only if a player specifically stacks AC with the intent of not getting hit, that it works - sometimes. But then this creates an imbalance, no different than having a Monster PC in the party. Someone becomes to strong/weak, and when the GM tries to compensate, the challenges become either too hard or too easy for the rest of the party.
AC is a mechanic which is broken, as in does not work. I'd focus more on what will your character do RP-wise, and what she can contribute to stopping/killing monsters when combat happens.
Sorry to hear that Kongming. While I'm not unemployed myself, I feel rather stuck at the moment. I want to move on to do my own thing or into a career, but can't do either for various reasons. Thus being stuck at a job that is changing around me. Not fun.