| Scott Wilhelm |
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Silken Ceremonial Armor has a 0% Spell Failure chance, as does an Armored Kilt. I haven't seen any rules for if wearing an Armored Kilt and Silken Ceremonial Armor will create a positive Spell Failure Chance.
If your Armor is made of either Mithril or Darkleaf Cloth, the Arcane Spell Failure chance foes down by 10%. There is a 5% minimum for the 'Cloth, but not for the Mithril. Of course, your Druid won't be wearing Mithril anyway.
There is a Feat: Arcane Armor Training. As a Swift Action, you can lower the Arcane Spell Failure by 10%.