Unarmored in town?

[JohnPaulB]

So your group has just finished off the dungeon and you've retired to the big city. You now have money to burn and after cleaning up and resting at the Waldor-Astoria, you head to Maxine's .... in your chainmail or plate armor?

Its not likely that you will always be in armor. I'm sure sleeping in armor for expediency for a couple of nights might be tolerable. But to spend all your time in it would probably lead to soreness, surliness and unhygieneness.

Towns and cities probably have ordinances that you can't walk around in metal armor. Its for the good of the rulers to not have fighters walking the streets that they can't easily penetrate with their own weapons. And it probably worries the citizens having armored fighters strutting about like mercenaries.

If you are in a secure town for a month, where you think you are safe from military or government attacks, you will probably go unarmored.
If you're worried about rivals or brigands, you will probably at most, go around in leather (because your rivals are probably under the same governmental restrictions as you are.)

Have you ever had your fighters take off their armor to sleep in the wilderness or walk about in town?

If there was an attack, would you have them rush out to fight with what they had on or would they take the time to put armor on then fight?

Also, it seems to me that those who beef up their Dex to wear heavy armor might do well in this kind of scenario because they won't have adjDex to worry about.