There have been a bunch of very interesting comments made in this thread that I would like to respond to 1st before I talk about more generalized armor stuff.
@Armor: +1 light, +2 medium, +3 heavy is pretty much what I like to see in a war game, but is not detailed enough for me in an RPG
@FranktheDM: I love how you think
@Jackelope King: I really like M&M but I don’t really feel like they have an armor system per say, more like a defense system that can be described as armor if you like, or as a cloud of feathers if that is more your style.
@Arkhandus: Thanks for the recommendation; I am going to try to get my hands on a copy of Ramlar so I can check it out.
@Logan9a: Oddly enough yurts are my dream house and I have been doing much studying up on them so that I will be as prepared as possible to assemble the one I manage to get my hands on lol
@Doghead: I agree with you on all 3 points, and I would like to see all 3 in a system with as many viable armor types as possible
@Green Slime: By historical I meant that I wanted the majority of the armor types to be described as stuff from human history as opposed to things like star armor, or glass armor etc, so please don’t point out that my desires have nothing to do with the actual development of armor

Also by cool I meant not ugly, which is what most CRPG’s and MMO’s have a tendency to do

Finally in regards to the armor progression comment in oblivion armor is divided in 2 categories, Light and Heavy. You are restricted in what armor types you can find in the game by your level, for example light armor goes roughly like this fur @ level 1, leather @ level 3, chain @ level 6 etc. While this is all fine and dandy and works great for someone who only wears light armor, it makes it feel kind of wonky for someone who wants to mix in heavy armor as well. Speaking of which heavy armor progresses as follows: Iron plate @ level 1, Steel plate @ level 3, dwarven plate @ level 6 etc. So I cannot mix steel plate with chain until level 6 but I can have a full suit of steel plate at level 3 which drives me insane lol
@ Dan Bell: Thanks for the recommendation, I checked out harnmaster today, and from what I can see, their system is just a tad to complex for me. I don’t need to be layering armors, just presented with a variety of historical suits, mixed with a handful of fantasy suits.
@Thunderfoot: That is an interesting way to look at things; I will have to keep that in mind.
Lastly I didn’t mention any rules in my 1st post because I wanted to keep the discussion as close to the concept of armor in RPG’s as opposed to how to tweak an armor system for this game or that game. That being said you guys have given me some great things to chew over and I hope the conversation can continue to be as interesting as it currently is.