Re: [Low-Tech] Padded Cloth and Layered Armour penalty
The other issue with layering armor is that realistically (though this is not represented in GURPS and varies by armor type) a single double-weight armor layer is likely to have superior protective value to two layers of single-weight armor, so you really only layer armor if there's an interaction between the layers that increases performance (in which case you are likely to never use at least one of layers solo -- for example, vest inserts) or there's a technical issue that forces you to (flexible armor to fill gaps between plates), and both cases are really better represented as a single suit of armor with multiple elements, not layered armor.
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