The human body is way less conductive then metal. Therefore if you are compelety covered in metal it will always flow through the metal regardless of how powerful it is.
Your knowledge of electricity is pathetic.
The human body conducts a current. Full stop. It is how our nervous system works. Full stop. If you are completely covered in metal and connected to that metal at two distinct points, a very small current will flow through you. A much larger current will flow through the metal. That is scientific FACT. You cannot dispute that.
If that very small current has a voltage of 100,000 volts, you will be very lucky if you avoid being fried.
EDIT: "Electricity always wants to flow towards ZERO voltage. If you are wearing electrically insulating materials such as rubber, the lightning would not flow through you." This only works for low voltage stuff, as for things like lightning... well if it can make it to you then it can bypass the rubber and make it the inch or so to the ground.
hmmph. Good point.
An RPG is a rocket that goes faster then the speed of sound and when it explodes it creates molten metal that is over 5000 degrees farenhit. How does that compare to a ball of flame that poofs when it hits you? It doesn't. Your example also doesn't make sense because most tanks are impervious to flame. We're talking about flame not two pounds of burning metal.
Cold is cold regardless of what your're wearing? Then what are coats for? Decorations?
Also the power of the shock in TES doesn't seem that much more powerful then that Tesla coil, and they certainly aren't as powerful as real lighting bolt.
Downstairs is a wood burning fire. That wood burning fire has a solid metal plate with a hole burned through it by flame. The flame was, at maximum, 1000 degrees Celsius. That is what flame can do. The hole is 15cm from center to edge.
In addition, a charcoal fire (maximum temperature 1200 degrees celsius) has been used for thousands of years to manipulate metal.
The lowest flame temperature possible is 120 degrees celsius. If you are wearing something like chainmail, that isn't going to give you any protection against heat, and if your body temperature increases by 0.5 degrees celsius, the following symptoms occur: nausea, vomiting, headaches, and low blood pressure. This can lead to fainting or dizziness, especially if the person stands suddenly. All of which would be enough to stop you fighting effectively.
Heat only needs to raise the temperature of a cell something like 1 degree to cause
Shock damage can damage you. The voltage of it would be above 120 V (DC). Meanwhile, Tesla Coil man was in a Faraday cage, so none of the voltage went through him. Armor isn't a Faraday cage. The Faraday suit works because it prevents current from travelling through the body - something that ordinary chainmail would not do. 120 volts of electricity is enough to be hazardous to a person. 100,000V (tesla coil) of electricity going through you would probably kill you.
As for cold is cold - may I remind you of all the Antarctic explorers who froze to death? They froze to death during the summer, when the temperature was higher than -10 degrees. You can safely assume that frost spells are lower than freezeing, and all that needs to be done to damage human skin is decrease it's temperature to below freezing. Besides, once again, they only need to decrease the core temperature of the target by 0.5 degrees celsius to cause damage.