In Sea of Blood, some equipment like Wizard's Robe give you "conditional armor", that is armor only for a certain type of attack. What kind of armor do you take into account when you are swimming and you have to spend fatigue for every 2 points of armor you have?
a) Melee?
b) Your highest armor value?
c) Your lowest armor value?
I guess the more "realistic" ruling would be a), but it seems to me the wording would point towards b)... Is there a definitive answer?