Hit location Sub-Table question. (And pectorals Question)

[Jaware]

Hello all. I seemed to have forgotten a very simple piece of information. I would appreciate some help pointing out what is no doubt staring me in the face for the last few hours.

So.... Long story short, my question is about the Torso hit location.

You have the chest, upper and lower, hit location 9 and 10 respectfully.
And then you have the Abdomen, Hit location 11.

I finally understood how pectorals worked. I just read the passage when i wasnt dead tired or something. but they protect the upper torso on a Xd6 or less. This part I follow pretty easily.

However. How does one decide where the hit landed if the hit was just an uncalled "torso" hit.

is there a sub table for it? is it just a 50/50? Gm fiat?

for whatever the reason i remember from somewhere the abdomen is a -1 to target. for reasons such as avoiding a breastplate and targeting a fauld or something similar.
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also, Just thinking about it, the pectorals protect the vitals 100% of the time. and the upper chest (Location 9) on an X or less on Xd6.

But the Penalty to strike around them, (eg, -1,-1,-2,-2,-3), adds to the upper chest which Loadouts, Low-tech, gives as a -1, giving a net -2 to -4, to avoid the Xd6 chance.
However the line below that speaks of the Chinks(Vitals) penalty. starts at a -7 and the Pectorals penalty adds to that. Making it from a -8 to a -10. Success Halves dr.

But the b400 chinks in armor lists chinks torso as -8, chinks anywhere else (Vitals are included in the example) as a -10.

what has happened here? Why does using a small pectoral (say 1/6, 5%, -1), make it easier to squeeze an attack around to the vital than not wearingg one?

Or is that -10 already include the Largest Pectoral?

Some examples would be very usefull.
Like say dr 6(Plate) Torso breastplate, with 3/6 Dr 6 (Plate) Pectorals, over dr 3/1 light chainmaille shirt.

From what i understand, targeting the vitals (-3) with an arrow, gives them dr 6(Breastplate)+dr 6(Pectoral)+dr3(Chainmaille) to the vitals

however, shooting around the pectoral(Just at the torso), gives (-1 upperchest)+(-2 Pectoral Penalty) for a net -3. Sucess means Dr 6 (Breastplate) Dr 3 (Chainmaille) to the torso
|_>(Why would you want to do this if you could just target the abdomen a -1, or mid chest at (I assume a -1?) and avoid the pectoral all together?)


but shooting the Chinks Vitals gives (-7 base penalty)+(-2 Pectoral Penalty) giving total penalty of -9 to half do. I assume this halves Dr on all Rigid armor protecting the vitals, so Dr 3 (Pectoral)+ Dr 3(Breastplate)+Dr 3(Chainmaille). to the vitals.

but basic Set says targeting Vitals chinks is a -10? Why would the pectorals make it easier to hit the vitals at a -9? I dont understand.

Is there some sort of change in the penalty that i dont know of somewhere?