[kcdusk]

Random thoughts;

Not armour per se. Do you give the negative penalty if PCs are moving with their backpack? If they take an action to drop their pack, do you note where they left it (more importantly, does the player know where they left it!)?

I like the conundrum of protection verse mobility choice that players should be made to make.

In game i'd always take the protection. I think you would have to focus on NPC mobility or protection modifiers as much as PC modifiers if you are going to go down that path - and i am in favour of this. It often comes up in my game, so i think this is a great thread question.

I haven't voted yet.