What's your unarmored level? What's your heavy/medium/light armor levels?
^ This. It has to do with your skill with those different armor classes. I'm not sure exactly how it works if you combine different
types of armor ( light, medium, heavy ) but I would imagine the formula makes it less effective to mix and match than it does
to keep all your armor of one type. But don't forget, even if it doesn't penalize you for mixing and matching, unless your skill
with each type of armor is 100 some of those armors won't be as effective as it says they are. Does that make sense?
For example, it might say a piece of armor has a rating of 100, but if my skill with that type is 10, I might only get 30 AP
for that piece added to the equation?