Btw if you are talkative type, and you hate “speaking throught the helmet”, but you want to have “civilian” version of armor.
Warhorse Brigantine
Brigantine Pauldrons
Noble’s Chain Collar
Long Noble Hauberk
Mail Chausses
Nobleman’s boots
Sword only (no shield, arrows or bow), no gloves, you may have some open helmet with you.
This gives 19 charisma (with perks), and even when its not full fledged armour, its still quite decent.