Pathfinder 1E Piecemeal Armour opinions please

[aglondier]

I am working on a new paladin character, and was fiddling with the piecemeal armour rules to see if I could get armour to look like the pic I have in mind.

 

[aglondier]

Basically plate under a longcoat.

[table="width: 500"]
[tr]
[td]Armour Type[/td] [td]Cost[/td] [td]Armour Bonus[/td] [td]Maximum Dex Bonus[/td] [td]Armour Check Penalty[/td] [td]Arcane Spell Failure Chance[/td] [td]Speed 30ft[/td][td]20ft[/td] [td]Weight[/td][/tr]
[tr][td]Torso Piece - Armoured Coat[/td] [td]50 gp[/td] [td]+4[/td] [td]+3[/td] [td]-2[/td] [td]20%[/td] [td]20 ft[/td] [td]15 ft[/td] [td]20 lb[/td][/tr]
[tr][td]Arm Piece - Lamellar Steel[/td] [td]25 gp[/td] [td]+1[/td] [td]+3[/td] [td]-2[/td] [td]25%[/td] [td]30 ft[/td] [td]20 ft[/td] [td]5 lb[/td][/tr]
[tr][td]Leg Piece - Scale[/td] [td]10 gp[/td] [td]+1[/td] [td]+3[/td] [td]-2[/td] [td]15%[/td] [td]30 ft[/td] [td]20 ft[/td] [td]10 lb[/td][/tr]
[tr][td]Suit[/td] [td](total)[/td] [td](total+1)[/td] [td](worst)[/td] [td](worst)[/td] [td](worst+5%)[/td] [td](worst)[/td] [td](worst)[/td] [td](total)[/td][/tr]
[tr][td]Piecemeal Coat[/td] [td]85 gp[/td] [td]+7[/td] [td]+3[/td] [td]-2[/td] [td]30%[/td] [td]20 ft[/td] [td]15 ft[/td] [td]35 lb[/td][/tr]
[/table]

So, basically, for 85 gold my starting character gets the equivalent of platemail without the massive skill check penalty. Too much? Just right? Stop abusing the rules you damn munchkin?

 

[KahlessNestor]

I would say the latter. All benefits, no drawbacks, and all for WalMart prices? Yeah seems a bit munchkin