Mind if I interject a point here? A character doesn't necessarily have to rely on armor all the time to survive. What about a character's own natural stuff like reflexes, stamina, dexterity, speed, cunning, and skill? Yes, some armor is good. But armor alone will not save a character from harm. It is the character's own stamina, strength, etc. that will also help him/her to get out of trouble/situations. Know what I mean?