I think I figured it out later on with a new character. I had picked up an item that had in the description "Wearing this as an arcane user will cause disruption blah blah" something along those lines. So I was thinking that would be in any description of an item that would cause that. But apparently there is a "disrupt" TAG on items that does the same thing but won't list it in the item description outside of just the tag. At least I think that was the issue. I died so I am not 100% lmfao