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I'm a little curious as to the interaction between a few different items.
First, the body slot and armor slot are different so it should be entirely possible to have some light armor on, and the monks robes.
Second, unarmed combat mastery states:
"Unarmed Combat Mastery: A ninja who selects this trick deals damage with her unarmed strikes as if she were a monk of her ninja level –4. If the ninja has levels in monk, this ability stacks with monk levels to determine how much damage she can do with her unarmed strikes. A ninja must have the Improved Unarmed Strike feat before taking this trick."
third the monk robes states:
"When worn, this simple brown robe confers great ability in unarmed combat. If the wearer has levels in monk, her AC and unarmed damage is treated as a monk of five levels higher. If donned by a character with the Stunning Fist feat, the robe lets her make one additional stunning attack per day. If the character is not a monk, she gains the AC and unarmed damage of a 5th-Level monk (although she does not add her Wisdom bonus to her AC). This AC bonus functions just like the monk's AC bonus."
So if I have 10 levels of ninja, 1 level of monk I should have an effective level of unarmed strike damage of: 6 (from ninja) 1 (monk) 5 (robes)= 11?
Yes.
Yup.
6+1=7. 7+5=12. I believe US Damage increases every 4 levels, so it makes a difference.
And yes, you can wear both Body items and Armor at the same time. Most Body Slots are robes or other regalia, and it is common to wear such things over armor.
Here is a probable example of wearing a Body item (such as a robe of heraldry) over actual armor (the example uses some heavy combat armor).
