Armor shouldn't subtract from MA

[TippetsTX]

Originally Posted by hcobb

Critter, body weight, fine plate weight, percentage
Halfling, 90 pounds, 38.5 pounds, 43%
Human, 150 pounds, 55 pounds, 37%
Reptile Lady, 300 pounds, 71.5 pounds, 24%
War Horse, 1000 pounds, 137.5 pounds, 14%
Giant, 2000 pounds, 220 pounds, 11%

I'm sorry, but I can't image any 150 lbs 'lightweight' walking around in fine plate. The character needs a bit more meat on them...say 180 to 220 lbs.

And I would expect a Reptile-man (or woman) to be at least twice that, probably more with the tail.