Re: Armor
Leather and other organics decay in the constant presence of human sweat, and straps are constantly being stressed any time the wearer moves.
In battle breakage is usually a dex penalty as the armor ALWAYS moves into the wrong place. Trust me.
with plate, the plates are warped and dont fit the body (rare), or more commonly, the straps have broken. So I would remove the section.
Chain is the easiest to deal with, as a piece of cord will tie it back in place, so I would use a 14- for less armor.
Brigadine and Leather tend to have large, hard to repair rips in them, but tend to stay on, like a torn leather jacket. 14- to by pass all armor, no dex penalty.
Just some fast rules based on personal exprience with broken armor
Krieghandt