I was never in combat but considering that I am big (2m tall, 120kg) I dont have much mobility, so I would go for protection.
And to your question regarding how other game systems handle it:
Shadowrun 6:
You can wear different types of armor, but only one counts.
Exception: if an armor type has the addition quality (I use german Shadowrun, so I dont know the english terms)
Example: You wear an armoured vest (Panzerweste, +3) and a leather jacket (Kunstlederjacke, +1) you have to choose between protection +1 or +3. You dont have +4.
But if you add a shield (+2), that has the addition quality, then you have to choose betwen protection +3 (+1+2) or +5 (+3+2).
I find this funny. Just imagine: a bullet comes your way and after penetrating your shield it enters the warp before hitting the leathercoat and re-enters reality before hitting the armoured vest.
But I couldnt find any negative modifiers for wearing too much armour. That is the decision of the GM.
In the Unisystem of All Flesh must be eaten RPG, Buffy RPG, Angel RPG everything has a weight and if you carry too much you are encumbered and take a -1 on your rolls (or more depending on your encumbrance). And some armours encumber you even if the weight you carry is within your limits.
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