That question just popped up in my mind, and I ran to my HERO book to find out the answer (awakening everybody in the house, but I'm getting off-topic on my own topic). And it wasn't there : probably one of those Up To The Game Master thingies (UTTGM), I figured.
So : considering that corrrectly wielding a weapon requires a skill (WF, to name it), would you consider that wearing armor need a skill ? If so, what kind of penalties (DEX, OCV, you name 'em) would occur ? And how about shields ?