Personally I consider Fel-caps from armour more important than Ag-caps.
Moderns armour is restrictive, but not that much (I understand?), but wearing armour when interacting socially with people? Instantpenalties for anything except intimidation (and possibly command) checks. Same for weapons btw.
Mind you, while caps are easy to impliment, I dislike them as a mechanic. I strongly prefer penalties (preferbly progressive penalties) instead.