Monte Cook lamented the utter failure of armor types once, and its true. Past level 2-3, theres like 4 armor types (padded, mithril chain shirt, breastplate, full plate). The others are NPC fluff. Who the hell wears banded mail? Better yet, what moron ENCHANTS crap like banded mail, scale mail, etc? Its like owning a corvette without a CD player. If you can afford magic armor, you can afford a base armor type that doesnt suck. Half Plate +1 is more expensive and worse than regular full plate.
I dont understand the PC concept of a guy who runs around in scale mail. Sort of like the SWAT team guy who shows up without his vest because he's "cool" or the fireman who decides the helmet messes up his hair.