@Proditus That would be sort of stupid, considering what you are wearing is technically just one suit of armor once its on your body... It would be like equipping it before equipping it.
It could work. Consider what Fallout 3 did with weapons - you could customize them and add extra functionality. You don't equip anything new, but you set up a new weapon rig out of parts and you get a weapon with different properties than the one you had before.. If armor was made to work in a similar way, where you get a suit of armor and can bring it somewhere to have modifications made, it could explain why two characters are wearing the same suit of armor while one of them has a little something extra on his shoulder. Maybe it boosts a certain stat, or adds extra armor, or perhaps even serves a story-related purpose, who knows?
But right now, I honestly have no idea what to expect. On one side of the argument, you have people showing evidence that armor is simplified even more, while on the other side people are showing evidence that indicates armor is more customizable than even Oblivion had. That excuse I stated above is the only thing I could think of to explain a scenario where both parties are correct to a certain extent, but if that is not the case, then someone is very wrong.