Re: [Low-Tech] Padded Cloth and Layered Armour penalty
GURPS hit location penalties and random hit tables have to include both projectiles, thrusts with hand weapons, and swings with hand weapons. By definition, they can't cover all three accurately. Nor can they cover things like the ability to strike to the leg with a knife, a one-handed sword, and a quarterstaff (generally speaking, its easier and safer with the longer weapon).
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