The example on p.106 of the player's handbook has caused confusion to me.
It states that Tygar gets hit for 8pts of damage, rolls his 8 armor dice and rolls a 1, a 6 and the rest don't matter.
This results in his armor value dropping by 1 point (rolling the 1) and his armor blocking 1 damage. This all makes sense so far, what doesn't make sense to me is the last sentence:
"Tyrgar chooses to let his chainmail take the hit and its Armor Rating is thus decreased to 5"
Nowhere have I seen the option to let your armor "take the hit", I thought it only blocked the amount of damage equal to the number of 6's you rolled.
Was this example ever explained anywhere?
Tyrgar wears a chainmail and an open helmet, for a total AR of 8 (6+2). If your armour is damaged, it is up to the player to decide if the chainmail or the open helmet was damaged. Tyrgar in the example let his chainmail take the one damage to the armour (from 6 to 5). The reason is that helmets are very good to have since they can also protect you against certain critical injuries and for the armour roll, you roll all the dice together regardless where they come from.
... or in short. The text "Tyrgar chooses to let his chainmail take the hit and its Armor Rating is thus decreased to 5" was referring to the damage his armour took.