Passive cover bonus from shield and cloak?

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Some of you might be familiar with the fact certain shields and cloaks (if not all) give you +1 or more to active defenses (i.e. dodge and parry).

I know there is an “errata” which “denies” such bonuses (roughly speaking). But then I found another source that explains you have a certain bonus from passive cover. And it makes sense.

For example,

If you are going to get hit, even if you blocked an arrow before, you still have the passive defense from your shield or your cloak (regardless of using it as a swashbuckler’s cape or not) because it is between the arrow and your body (considering you are targeted by more arrow attacks).

So, how do/would you work with this, without falling in “house rules”?

Thanks for your ideas,
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