Hal wrote:
I've not read the relevant sections, but I'd imagine that the plates, once added, only protect very specific locations, and fail to protect 100% throughout the remaineder of locations involved.
In the rules as written, armor inserts protect the torso location. In reality, torso plates have a coverage of around 25%, it's just that they cover the regions where wounds are most severe and which are most likely to be exposed.
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