[David L Pulver]

I've considered armor talents and other modifications, but generally tend to minimize house rules that affect the talent list or equipment.

However, one thing I've considered is:

"Partial Armor. You may suits of armor that leave a significant portion uncovered. Partial armor is half weight, cost, and DX penalty. It protects fully, but an attacker can opt to ignore it by so stating and taking a -2 to DX.

It doesn't protect against Fire hexes or Blast and protects only half as well (round down) against gunpowder explosives (figuring this is a mix of frag and blast) It provides its full armor protection).