windfoxj: Ah, word. Thanks again guys, you've been saving my ass a lot on this stuff (TwoHandedSword especially.)
My pleasure. However, I should also point out that since lighter armors have fewer hit points, they run a somewhat higher risk of being critically damaged,* or of simply being damaged to the point of falling apart. You can offset this by taking the item to a Repair expert such as a blacksmith or quality armorer, providing your MA isn't too high for them to do business with you; or to the Repair master in Caladon, who'll help you out regardless (especially if you've saved his bacon by helping him out with his urgent request).
Techies** can also invest in Repair expertise themselves, which requires a minimum investment of 2 1/4 points in that skill. Doing so allows your PC to fix items with no more than a 1% permanent loss of HP, which means that items with less than 100 HP become infinitely repairable... and armor with more HP will simply lose 1-4 HP per repair until they too are at 99 or less.***
*It's not a strict 1:1 ratio, but the chance of critical failure is based upon what percentage of its HP an item has lost. So 50 HP of damage on a 150 HP leather armor is a bigger deal than the same 50 HP on a 400 HP plate mail. Note that this is damage to the armor itself (from fire, acid, explosions, etc.) and
NOT damage to your PC or followers through their armor.
**And mages who don't mind the loss of MA.
***Except for Dread Armour, which (thanks to its 10,000 HP) hardly anybody ever bothers to repair anyway; since only Repair mastery would stop it from permanently losing at least 100 HP from each repair.