I see as illogical that the ie, the leg has no AC when the leg is armored. This is a fatal hindrance when using Called Shots. My system is:
- By default, all hits go to the Torso (or main body; 1-4 chest, 5-6 vitals). The Called Shot effect to the Torso is applied if it hits.
- All pieces of armor have the same AC as the main armor (ie, a Scale Mail Leg is +3 AC).
I think this system is more realistic.