Did some testing, scrolls and devotion aura don't benefit from inspiration/ancestral fortitude.
We don't get our 10% armor from toughness for rings. I didn't test cloaks, shields, or swords or trinkets or anything.
Inspiration/AF does work on the armor from rings, however, as well as our base armor (220->275 for me).
Also the bonus is multiplicative. When wearing my inexorable sabatons (1580 base armor) my armor went up to 2447, which is:
220 * 1.25 + 1580 * 1.1 * 1.25 (base armor * inspiration + item armor * toughness * inspiration)