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It's not meant to be restrictive, it says you "can" do something, not that you "can't" do something. Shields and any other cards whose usage condition becomes valid can be used.
What's it's saying is that you can't just do whatever you want at that stage, e.g. you can't just decide to cast Cure in the BYA phase. By default nothing happens in that phase other than powers that explicitly say they happen. But, once such a power has been triggered, it's the same as any other situation. If there's a check listed in the BYA phase you can still add bonuses like blessings to that check as well.
So then when there are armors/shields that say "reduce by 2 before or after you act" like Magic Padded Armor or "reduce by 2, or 3 if it's before or after you act" like Scalemail, those BYA/AYA clauses are restrictive, but any other reduction the card provides could be triggered on any damage event (if the damage type allows)?