There is a mod in Oblivion when your armour gets to zero you loose it.

In this game when your weapons gets down to zero you loose it, how about armour. I know in the game when your armour gets to zero you still be wearing it.

Is there a mod out there when your armour gets down to zero you loose and leave my character and npcs exposed.

If not how do I do that in GECK and or FO3Edit?