As others have said, fixed armor isn't particularly realistic because its virtually impossible to design armor that protects from all blows at all angles equally. Now with locations, you'd need to have the spread be fairly tight, but with Stormbringer, where locations weren't paid attention to, you're also getting into the issue that its rare for all locations to be protected equally, too, so the system is accounting for that in addition to the lesser individual locational issues. After all, RQ3 effectively has variable armor the moment you have someone who, for example, armors their head and torso heavier than their limbs (an extremely common occurance in my experience).
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