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How are you setting up the armor rating? For this sort of thing, the details really matter, like what happens when a character uses two separate pieces of armor? How is the armor rating calculated then? Are there any ways to adjust a character's armor rating (magic spells or items, for example)? Does this system use hit locations, so each location needs to track a separate armor rating?
I'm afraid it sounds like you're jumping ahead - trying to rebuild the armors before you've set up the mechanics to support them.
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