TFT and GURPS - where is the line between them?

[Anthony]

Originally Posted by Kirk

Gandalf dies, Boromir dies, true, but a party like this has a chance in TFT, not so much in MtM or GURPS.

Unarmored can work in GURPS, it's just suboptimal. In any case, LotR actually has a quite small number of battles where armor would matter (a fight against an orc in Moria; unlikely that armor would much matter against a Balrog; multiple orcs when Boromir is killed; Helm's Deep; Sam vs Shelob; Minas Tirith -- but Merry and Pippin were given armor there).