Partial armor

[EKB]

I have a system for partial and mixed armor in my house rules, based on the conceit that not only does armor on a location protect against called shots to that location, but also provides lesser protection against generic attacks, due to

(a) sometimes the generic attack will hit the protected location

(b) if the attacker tries to avoid the protected location, his attacks will be clumsier and do less damage.

and (c) I really do not want the complication of rolling random hit locations.

The core is short enough to post here:

The formula for the overall protection provided by partial or mixed armor is the sum of the armor protection on each arm, each leg, the head, and three times the torso armor, divided by eight and rounded to the nearest whole number. E.g. a character wearing a breast- and backplate plus light leather everywhere else would have overall armor of (1+1+1+1+1+3×6)/8 = (23/8) = 3 points after rounding, with called shots against the torso having 6 points and called shots everywhere else having 1 point of armor protection.