Gloves of Dexterity and a Dwarf in Full Plate
It doesn't matter where your Dex score comes from; only how high it is.Max Dex limits you to a certain maximum Dex bonus to Armor Class. With that exception, your full Dex modifier counts.
Armor check penalty doesn't have anything to do with Max Dex; it applies to skills regardless of your Dex modifier and vice-versa.
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