I have trouble deciding if it's worth building up another skill to make use of armor. Right now I use clothing and get 100% spell effectiveness, which is great. Most of my damage does come from my blade skill, though I rely heavily on illusion as well. I try to thin ranks of enemies with a combination of command and frenzy, so I usually only have to fight one or two by the end if I'm patient and cautious. This doesn't work as well against creatures though. Is the spell effectiveness hit worth the extra armor? And also worth the extra skill study, I don't to be good at everything, so if my character studies light or heavy armor, then maybe I'd lose out on mysticism or something. On that note...light or heavy?