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I've done about ten fighting scenes in Dragonbane, and the difference between those that have 0-2 point of armor to the knight that has 8 is absolutely significant. The knight can take 1-2 hits from medium danger source no problem. He can also risk ignoring goblins and the like that do D10 damage. The effect of his armor converts critical hits to normal hits, basically (they hurt, but the best critical option becomes ignore armor instead of doubling the damage). And if it isn't a critical, it typically does 0 damage.