I can see both perspectives. The "Idea" that the PC is to decide what makes sense to him, your own interpretation of what is right to you speaks to me. But yet again Fallout Kris makes logically practical points, and I would put my checkings account on it being a inconsistancy than just the Ghouls just never happen to be wearing armor in combat when you run into them. I think armor would do more damage to them than protect them, I have been attacked again and again by Ghoul highway men & bandits and never have they worn armor. Even when Fallout Kris was in the Broken Hills they didn't, it is pretty safe to say that it is a change of lore introduced by FO3. They shouldn't but they are, it's that simple, anything further into this topic would prove redundant. I rarely check in on this topic and it's sad to come back to see the exact same conversation happen over again. :shakehead:
It doesn't matter what anyone believes as long as it seems right to you. (Not saying that your imput and point of view isn't welcome)
Retracting back a little I would have to agree with the idea that the Enclave has established more than one base. It would prove foolish not to, I mean, look at what has happened to some of the Vaults, what if they created one giant **s Vault? It would be long gone, no Vault Zero, no BoS, no a lot of things. Which can continue into the possibility the since there is many Enclave bases that they might have formed different "sects" all within the one large Organization. Working towards the benefit of all the Enclave, explaining a lot of little things. But again, that is what just makes sense to me. Not what is written in stone but what just seems logical from my perspective.