Btw if you are talkative type, and you hate “speaking throught the helmet”, but you want to have “civilian” version of armor.
Noble’s Chain Collar
Long Noble Hauberk
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.