Even if you're really swimming in Gold, there are better things to spend your money on than the +2 Chain Armour. For one thing, +2 Plate Armour isn't that much more expensive, and for another if you've reached Dawn and have over 6,000 Gold you probably have a Frigate and can just go get the Exotic Armours.
Chain is where Armour starts to get expensive. Clerics can't use Armour beyond Chain (with the exception of Exotic Armour). It's a good stopgap for Types that can use better Armour simply because that Armour is so expensive.