Han, Luke, and Leia don't wear armor in the films, except the Stormtrooper stuff and only while they were trying to disguise themselves and maybe Luke and Leia on Endor. The rest of the time they are in clothing.
Their "Armor" values for that clothing in the game is another balancing mechanic added to help avoid what I mentioned in my earlier post. The same goes with lots of things added into RPGs that don't match the source material, like Han's heavy blaster having a stun setting. It's just RPG number crunching.
Actually, Han is wearing a Catch Vest in ANH and parts of RotJ. Luke is wearing Adverse Environment Gear in ANH (specifically, to withstand hot climate) and the start of ESB, as is Han and Leia. And when they're all skulking around on Endor I'd say they're wearing Heavy Clothing with some camouflage ponchos over.