This has been constantly making my experience less than good-- Auto Armour should engage only after taking damage first; a kill-shot should still kill you if you have AA equipped, not save you from a bow shot or shotgun shot that should have been instant death. It makes the game inconsistent because it's impossible to tell whether the shot you're about to take it going to require one or two shots.
Not really a discussion, more along the lines of "needs to be fixed."