Even though characters of same classes will vary extremely there are still basic functions that you intend each character to have. You're not going to start a character as a wizard class to be a tank, same as you're not going to start a warrior to be solely a spell caster. You'll make certain classes to do certain functions, whether it be tank, dps, heal, hybrid of any of those.
Basically my proposal is very similar to your but that you make "groups" of classes that wear certain types of armor, no matter the build. Casting classes wear "light" armor, dps, melee type hybrids wear "medium" armor and warrior/tank classes wear heavy. I just don'e see why a wizard should be able to have the same AC as a guardian.
You would use enchanting stones and skill to further define your character/stats.
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