How about this is a rule mechanic:
Armour has a wear value like vehicles. Until it reaches value 10 when it is destroyed it works perfectly. Wear value is increased by 1 in the following circumstances:
* each month on a 1D10 roll of 1 which must then be confirmed by rolling the wear value or less (tears get bigger, etc)
* each penetrating hit by a small arms
* each non-penetrating hit by small arms if the damage dice stopped are equal to or more than a roll of 1D6.
* the number of dice of a penetrating or non-penatrating large calibre weapon
Helmets which are notoriously damagable by small arms fire take double the wear value for all except the first case.
Rigid plate inserts where fitted are also subject to this rule but are also subject to shattering on each impact that penetrates. this occurs on a 1D10 roll equal to or less than the new wear value.
I suggest a doubling or trippling of the base cost of armour so that it is reasonably priced when worn.
Thoughts?
Usefully this has also got me thinking about rifle wear values linked to rules I am writing for weapon reliability.
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