[tshiggins]

Originally Posted by (E)

(SNIP)

A middle ground that comes to mind is kevlar/ceramic type armour is relatively cheap (by setting standards) but is only really effective against TL 8 and lower ballistic attacks.

That actually works really well in my Facets campaign, which has had a bit of a "wild west" feel.

Now, in my game, the antagonists frequently know nothing about body armor (and those who do take counter-measures), which means the PCs have an advantage. The bad guys shoot for center-of-mass, and the armor helps.

In a setting where it's more generally known, I'd have the antagonists with weapons affected alter their tactics. Go for the leg shots to immobilize, and then wait for the targets to bleed out.