Edge Protection rules?

[corwyn]

Originally Posted by sjmdw45

The answer isn't obvious, but as a GM you should do your best to make players with no armor sometimes wish they had worn armor, and players who wear armor sometimes wish they had less encumbrance. Don't make it an easy question.

My problem for balancing armor and opposition has been a Wrestler with Tough Skin 3 and a basic lift of 88 mixed with a very fragile bard and, when she's blindsided, Martial Artist.