So heirlooming gloves and body armor to get +14 body armor is very minimal eh?
+3 gloves and +3 body armour = 6 generations.
8 892 403 experience points x 6 =53 354 418
to achieve level 33= you need 35 569 612 xp
to achieve level 34= you need 71 139 224 xp
If you don't retire and get those 53.3kk exp you'll have extra 3 stat and 3 skill points to use in your build.(Retiring at level 31 means that your main character build is designed for level 30 , 33-30=3 you get 3 extra levels if you dont retire !)
With those 3 skill points and 3 stat points you can add=
3 Strenght + 1 Iron Flesh + 1Power Strike + 1 extra (Shield skill would be useful if you are a melee class.)
3 Agility +1 Weapon Mastery + 1 Agility + 1 Shield or Riding
Or you can convert those points to get 4 stat points + 1 skill point or 9 skill points.
Lets say your build for level 30 is :
Level 30 (4 420 577 xp)
Strength: 18
Agility: 21
Hit points: 59
Skills to attributes: 8
Ironflesh: 3
Power Strike: 6
Shield: 0
Athletics: 7
Riding: 0
Horse Archery: 0
Power Draw: 0
Power Throw: 0
Weapon Master: 7
One Handed: 1
Two Handed: 1
Polearm: 163
Archery: 1
Crossbow: 1
Throwing: 1
you can make it:
Level 33 (35 569 612 xp)
Strength: 18
Agility: 21
Hit points: 65
Skills to attributes: 2
Ironflesh: 6
Power Strike: 6
Shield: 0
Athletics: 7
Riding: 6
Horse Archery: 0
Power Draw: 0
Power Throw: 0
Weapon Master: 7
One Handed: 1
Two Handed: 1
Polearm: 163
Archery: 1
Crossbow: 1
Throwing: 1
TA-DA you are a cav now.Put your points into shield skill instead of riding and become an effective support its up to you.
Are there any heirlooms that can make you immune to frontal ranged-melee attacks for a long time ?
Shield skill does that.
Are there any heirlooms that can give you chance to ride any horse except arabian and give you possibility to kill people with 1 strike ?
Couching lance does that thanks to riding skill.
+14 armour won't protect you from headshots but a shield will do that.