MechaPilot
Explorer
Agreed. And admittedly, it's one of the things I really liked about 2e's Skills And Powers. One of my favorite PCs was a paladin who couldn't wear armor (he was a Paladin of Ilmatr (sp) and believed the more physical punishment he took, the more enlightened he was) but used a d12 for hit points and could cast spells at an earlier level.
Interesting. And, I'm assuming (because I'm not familiar with Ilmatr other than hearing the name in the Baldur's Gate Xbox game) it fits with the chosen deity to reinforce the character fluff. In 3e I played a cleric who had her armor reflavored as protection granted by divine grace. As long as she spent an appropriate period of time in prayer (the same period of time required to don armor) and was wearing the holy symbol of her deity she was effectively wearing armor. It really gave her more of a priestess or prophet kind of vibe than the traditional D&D cleric has, and that's what I really wanted for her.
I also played a 3e druid character who was a nudist. Her armor was basically traded for an unarmored defense ability, though we didn't really call it that. We just assumed her lack of reliance on armor forced her to learn to fight more defensively. As long as she was armed, she was effectively wearing armor.