I'm in agreement with pretty much everyone else that RAW as written it doesn't stack.
I also find players who argue that it should stack are frequently prone to ignoring how unfeasible it would be in practice in most cases. We're not playing WH40K here:
Of course that's a little over the top (that's what WH40K is all about), but still, I think the sheer discomfort is too easily ignored. It's not as if players ask the villains to stop when they appear, so that they can put on their armour - they're walking around in it a lot! I'll typically allow moderate armour stacking if the player in question is willing to spend the entire session wearing two sets of motorcycle gear. The book describes "Heavy Clothing" as leather jackets, thick woollen cloak (I know the sort they mean, btw - we're not talking a cashmere sweater here). Basically anything that deals with the little scrapes and pings of life. Padded armour is full on real designed-as armour. It has a picture of it in the book! It's a significant step up from even properly plated motorcycle gear, more like riot police stuff. Can we seriously imagine that someone is wearing two layers of this stuff? Heavy Clothing + Padded Armour would be technically possible. But I cannot imagine people tolerating such a combination even if they were expecting combat to be likely. You might be able to get shot in it, but I doubt you could fight for more than a moment.
Anyone here ever boxed? I mean actual full contact three minute rounds? Can you imagine doing that in motorcycle gear?
Edited by knasserII