Re: [Low-Tech] Padded Cloth and Layered Armour penalty
In fact, Low Tech page 103 has a solution "However, DX penalties don’t apply if the total odds of partial armor protecting a hit location are 3 in 6 or less (see the Armor Locations Table, p. 100), or for armor that covers only the head."
I would rule that a breastplate (Chest Front) counts as "3 in 6 or less", so a Light Mail Torso + Arms, Layered Cloth Torso + Arms, and Plate Chest Front would count as two layers of armour. It would give -1 DX.
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