tarjan95: Does anyone know what constitutes body armor and where to get it. The ghouls in the bank giving me some trouble and I don't think my regular suit is going to cut it. Thanks in advance.
I'd make sure to use a full party (three companions + a henchman, e.g. the spaniard).
My aristocrat had a 1 in firearms and a weak-ish pistol, but had no real problems with the ghouls (the butler companion plus the spaniard did most of the work, and the Outsider's spit did the rest - my PC mainly took pot shots and maybe used the occult spit once or twice).
Also if you have AP left over and you can't attack, clicking "defend" helps - most of the hits on my guys were grazes, except the occasional shot from behind.