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For example, given .7 armor protection from a vest and .9 armor protection from a shirt, does that make the total armor protection for the chest .63? Or does it only take it from the vest?

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Originally posted by KrulRudy

They stack but additively not multiplicatively if im not mistaken. So a .7 and .9 would give 1.6 not .63 (it would also be really dumb to have a lower armor value for wearing more armor).

To clarify – they don't stack like the way you're thinking. 1.6 would make you take more damage. Armor values are actually multipliers! E.g., 0.9 is 10% damage reduction. :)