Re: [Low-Tech] Padded Cloth and Layered Armour penalty
Layering penalty is often about game balance rather than realism (donning a clamshell over reflex bodysuit causes DX penalty), so if those rules doesn't disrupt the balance of your games, then go ahead.
Regarding official stance, Dungeon Fantasy Knights has a power-up that allows them to wear armor up to DR2 without causing DX penalty.
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