*heavy sigh* Ok, so, I know this topic comes up a lot, and is a heated debate, I'm trying to avoid that, but I want to get some feedback on what I think is a fairly simple (and possibly already stated house rule) to govern armor.
Simply, the rules on armor and defense, are janky as *bleep*. It's all kinds of messy, and I frankly find it to be highly annoying. Partly because some aspects of the rules contradict basic logic about how damage functions, especially when compared to another character in the same situation, but with different armor/defenses. So, I propose the following.
Armor just gives soak. That's it. I know most just give soak anyway, but there are also some types that also give like, a single point of defense, which translates into a setback die for incoming attacks, and some other occasional rules of similar vein. I find this annoying, because it then runs up against the rule of "defense doesn't always stack, depending on source, time of day, if the PC is constipated, etc." So, since a setback die would most likely equate to a single failure, which itself would negate a single success on an attack role (and thus translate to a point of damage on an attack), I just say let it instead be an additional point of soak.
It doesn't help you avoid getting hit by adding negative dice to an incoming attack, but if you do get hit, the tough material/shield thingy that is between your squishy bits and the incoming attack, help to reduce the damage down, possibly negating it entirely.
That's really it. Just, soak, nothing more, nothing less.