Re: battle Wear vs. Town Wear
Armor's hot. Armor's heavy. 99% of everyone that's ever lived would ditch it in a second if they thought there was a less than 50% chance of their dying in the next ten minutes.
When I first came into the Army, it seemed like the major job of an NCO in the field was making soldiers wear their helmet, and that was way before we started wearing body armor. The helmet was the only armoresque thing they were wearing, and as soon as the NCO's back was turned, someone would have it off. And as soon as we come out of the field (ie back to "town") the NCOs can't drop it fast enough.
I play most of my fantasy characters the same way. Some even leave behind their weapon-weapons (knives and daggers don't count) when in town. Unnecessary weight..always dragging you down on one side, throwing your back out of alignment...
One of my favorite characters that I've played almost never wore armor. Once or twice, our characters were gearing up for some major carnage (taking part in an actual military battle, not a bar brawl or a back-alley rumble), so he put on a chain vest and a helmet. And this was before the idea of Combat Luck was common.