Originally Posted by Hypersmurf
Hmm.
A dagger can damage someone in plate armour. It can find a way to get past the protection to reach the person underneath.
A whip can't. It's incapable of breaching that protection to reach the person.
Why should the flames of the whip hurt someone if the whip never actually gets to them?
Its not a bad point, but I have to say I have no problems with arcane fire (or frost, or electricity, etc.) penetrating a thin sheath of metal, either ignoring the armor or (more cinematically), dancing across the armor like a living thing, seeking an entrance, like a joint or visor.
After all, arcane fire will still damage someone using mundane fire protection, and arcane frost will still damage someone wrapped in fur...