Bear in mind, you're arguing with someone who thinks the current rules for armor are terrible and don't go nearly far enough to reward people for creativity in making up a cool look for themselves. I've argued long and hard over the fact that armor is based waaaay too much on OOG money spent on phys reps and waaay too little on what they achieve IG to get gear for their character. I've never personally cared for the location system and would much rather have things based on people going to blacksmiths IG and saying "Hey I got this chain vest, can you tighten up the weave on it for a few extra gold?" instead of "Hmmm, if you lengthen the sleves by three more inches I can let you get a tag that gives you one more point of armor". Also, arbitrary opinion is never a good way to establish a hard fact in anything, which is clearly demonstrated in this exchange right here
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That being said, my (our) personal feelings on the matter don't change the fact of what the NATIONAL rules about how the game works changes. The book says that if armor doesn't cover at least half of the area it's trying to protect, then it gets reduced by one point from whatever materials it's made of.
"As far as armor goes, I wear bracers and a gorget, each are worth 2 points of armor each,...."
When I read this statement, with no visual of the pieces in question, that tells me someone misinterpreted the rules at some point, and once armor is rated it is not necessary to get it rated again with every new game. As I stated in my response, that would have to be a plate metal gorget that covered more than just the neck. You say it does, it also covers the back of the head, so great but that means it's more than just a simple gorget. If it were just a simple heavy collar, like I was envisioning, then as I said before, it really doesn't apply to either area. Yes, both the head and face locations start at the neck, but by the same token the forearm and the upper arm/shoulder both start at the elbow. If someone had just attached metal elbow cups to a tunic, I wouldn't give them any for it because it doesn't actually give protection to either location enough to qualify for either, let alone both.
Since the statement was being used to advise a new player on what to do for armor, I felt it a good idea to point out that most marshals will not give you armor points for a gorget, due to the rules for the system we have. Otherwise this same new person might go out and spend 50 bucks on ebay for an elaborately tooled leather gorget thinking he'd get some good AP for it when instead he could have spent 80 and gotten a chain vest and gotten something that would universally get rated for armor by any marshal he happened to get to first.