darn near any armor config has a good shot of bouncing ANY shell that comes in around 20 degrees. its the immunity zone, where shots sometimes hit NEITHER belt nor deck. It's not the armor setup you have that does it, it's the physics.
But that said, a LITTLE armor is always a good idea. belt reduces torpedo damage, bulge soaks it like extra health, bulkhead maintains your speed when you're low on health and (it is argued) helps protect crew from crits (lots of disagreement on that one), and deck armor will reduce dive bomber attacks. For US BB, this usually translates into 0.2 deck and belt, 3 bulkhead, and as much bulge as you can fit without slowing down.
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