It started when I for the 5 millionth time watched through the E3 demos, suddenly Todds comment about layered armour, now Im sure lots of us mistook his words to mean the now more complex armor structure with individual arm slots etc. But then I realised, maybe thats not what he was talking about.
Exibit A: http://www.kotowari.org/wp-content/uploads/2015/06/f4armor.pngthe armor screen, notice he has the suit equiped as well as a leather armor set in inventory, but not equiped.
Exibit B: https://pbs.twimg.com/media/CHjm9C_WsAAFs0A.png
now later we see the player has leather armor bits, yet he still has his suit!
This leads me to believe there will be a layer system where clothing and armor can coexist on our character. Clothing will be head gear and the neck down "sets" we been used in previous 3D Fallout games and armor will be the more complex "system" we saw in the armor screen.
Feel free to share your opinions, musings and dream armor/clothing combo.