[AlexanderHowl]

The solution to people abusing the gadget limitations is to target the gadgets as well as the gear, and thieves will go after valuable looking gadgets as well as valuable looking gear. Area effect attacks will hit an external gadget as well as external gear (something that a lot of GMs and players tend to forgot). For example, a 4d burning cone attack deals an average of 14 points of burning damage to everything in the cone, meaning your DR 2, HP 2 magical gadget amulet is actually more slagged than your DR 0, HP 8 clothing (your clothing only provides cover DR 0).