I specifically avoided adding a roll for hit location bypassing armor because
it would add to more rolling in combat (in this, every attack that hits
requires another roll for armor). That is fine for those that want it, but not
so fine for those that want quicker combats. However, I did add the optional
rules in for hit location of armor, and for whatever reason, did not add in the
1/6 or whatever for the tactical plates, and in reality, the kevlar vests too
(which in most models only protect a reduced part of the torso).
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