Re: battle Wear vs. Town Wear
In my world, assuming civilized areas, entering a town you have three choices:
1) All weapons longer than a dagger and all armor heavier than leather go into a chest in the gatehouse, you get a receipt, you get them back when you leave
2) All weapons longer than a dagger are peacebonded, armor heavier than leather goes into your pack (or you can hire this friendly fellow with a wheelbarrow) and you post a surety of two gold florins (roughly two months' wages for a laborer), forfeited if you're stopped by the watch while wearing armor or carrying usable weapons
3) You claim special status, either nobility or bearing arms on city, Church or Imperial business; you post a surety of two gold florins and a member of the watch escorts you to the city fortress or cathedral to confirm your status. Falsely claiming nobility gets you an extensive public flogging and the stocks if you survive; falsely claiming city or church business is more likely to lead to heavy fines or imprisonment. Of course, both Church and state have their share of corrupt officials, so it's entirely possible for you to bribe your way onto the rolls as a special agent-- and equally possible for an enemy to bribe your way OFF the rolls, much to your surprise....
The result is that city adventures tend to be heavy on intrigue and violent episodes tend to be stealthy, savage and short; characters are constantly angling for noble or episcopal patrons (who are in turn looking for reliable agents), and urban adventures tend to be more Gangbusters than Boot Hill.