Armor value error on Necro

For some reason, the armor value on my necromancer’s character stats screen is only displaying a total of 32; if I add 2 of the top skulls it goes up to 512.
After combat testing, it appears to only be a display issue as survivability is on par with where I should be.

Well, that is working properly. each grand skull adds 240 armor. in your case, 480 total from skulls. add the 32 and bam 512.

on Torment difficulties, there is an armor and resistance penalty.
for armor, t1 is -250. t2 -500, t3 -750, and t4 -1000

So if you have 1000 armor on normal, if you swap to t4 you will have zero.

Yeah, thanks, but if my armor were to actually be that low, then survivability would be impossible, yet on T4 I survive and kill just fine. Again, it seems to be a display error.