Passive cover bonus from shield and cloak?

[Railstar]

Originally Posted by Maz

More cumbersome solution: You figure out what parts of the body the shield covers (including partially) and then roll randomly for location. If it's a location covered by the shield then it's the same as above.

How would you figure it out?

Off the top of my head I'm thinking...

DB 1 = shield arm (shield hand assumed to be included).
DB 2 = shield arm + torso.
DB 3 = shield arm + leg on that side.

Then combine with the Focused Defence rules to present the shield side.