You have 23k armor?
The armor cap is 9230.
You need like 4 or 5 afffixes to have that much armor over cap. Those affixes are wasted. You could have way more damage reduction or max life if you werent ao far over cap.
I wonder how far over cap you are on resists, too.
Based on your grave misunderstanding of how stats work on the caharcter sheet, i can only assume you have a misunderstanding of how gameplay works, too. Seems like the problem lies with the player.
Signed,
A fellow homebrew-only player