Heh, I didn't write that very well.
I didn't mean to imply that a Fighter in heavy armor with ranks in Tumble wasn't tumbling, since that must be what he is doing, but that I don't think many players consider that to be what their heavily-armored, tumbling characters are doing. Tumbling isn't just boxing footwork and shield placement, but considerable activity to remain in motion - flipping, twisting, rolling... all that good stuff. Just like a football player breaking tackles and such, yeah.
EDIT:
Just to add something totally irrelevant to NWN, the 3.0 PnP version of the skill explicitly states that "you can dive, roll, somersault, flip, and so on." Even though Bioware did some weird things when they made NWN, I still think this is the intention behind the skill. It's not just a skill version of the Dodge or Mobility feats.
Also, it can't be used in PnP if the character's speed has been reduced by encumbrance. The encumbrance is overly simplified in NWN, but in PnP, a character with a Strength 18 can carry 100 pounds before being slowed (that's the top end of a 'light load' for these brutes). Plate weighs 50 pounds, and a tower shield is 45 pounds, leaving only 5 pounds for everything else (weapons, backpack, waterskin, rations, clothing, blanket, etc.) before Tumble stops being usable. Though NWN is different, I still look at Tumble from this angle.
And Tumble doesn't add bonus AC constantly based on ranks in PnP. Instead, with five or more ranks, a character using the 'fighting defensively' action or 'total defense' action gains a Dodge AC bonus that is slightly better than the standard for those actions (+3 rather than +2, and +6 rather than +4, respectively). This makes sense to me, as a character concentrating on tumbling isn't focusing on hitting very much; it's defensive maneuvering.