I do not play a lot of fantasy games, but personally I do not worry about armor encumberance at all. While encumberance is realistic, it is seldom realistic within the genre. Fantasy characaters from books are never bothered by wearing heavier armors. Conan does not become less combat efficient in Chain over Leather. Aragorn does not become exhausted by wearing battle-armor over simple ranger armor. Ultimately, unless the character in the story is a thief, armor is never even a factor in fantasy literature; and in many cases it is not even a factor then.
As my sig file says, to me the game should be played to emulate the genre, not the reality of the enviroment.
Monolith, the Living Titan
"The HERO System is not designed to represent real life. The game is designed to represent heroic fiction as presented in comics, novels, television, and movies."
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