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Unless you select an armor location for the damage to be applied to, there's no armor applied to that attack.
Which asset are you referring to? Each asset has its own script that would cover how it functions, so I can't give a general answer. For example, the Soft complication in Serenity makes you take +1 stun whenever you're wounded, but it also has checkbox in the Activated Abilities section on the In-play tab to let you turn it off.
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