I'm in a campaign where an incident led to the lose of a finger for my cleric. My DM rules now that I have a spell failure chance on all my spells, and he's the kind who will keep it to himself and roll the percentage dice behind the board. The session ended without me getting anymore spells off, so I can't even guess if its a high probability.
My question is, can limb loss affect a cleric like this? If so, how is that there somatic components aren't screwed up in a similar manner while wearing armor? Is there anything that covers this kind of thing in the core rules?