Re: Combat Armor that requires having a skill.
Are the characters paying points for this armor or is it equipment. I can't quote, don't have my book in front of me, but, if the characters purchase the piece of equipment with points they are automatically skilled in its use. If it is equipment, who cares if it is a -1/2, -1/4, or even -0...as long as it is balanced in the game. When I am building equipment for characters to use (usually in low-powered fantasy games) I often lay out what it abilities are and make sure it is balanced with the game and if something is rather "who cares" about whether or not it needs a skill or not, then I won't assign it a value.
I don't want you to get discouraged or anything and you should always make sure that what you are using is balanced, but something as trivial as needing a skill to use is..well...trivial in this instance and should just be your call as a GM.
If it is equipment, the I agree that is should use TF as just armor, but can also use other skills if you add in radar, radio, etc.