That's half your starting wealth. The armor is valued at five whole cows. It's not a trivial purchase for armor which isn't even all that good. It's no warplate, that's for sure. And it doesn't enshroud the wearer in holy flames, let them soar on gigantic batlike wings, or blast attackers with retributive jets of acid. It's just... metal. It sits there, not blessed by Moradin, not enameled with Eladrin sigils of power, not forged with the black iron hearts of defeated warbeasts or the inflused with the blood of dragons, not painted in elder runes or neigh-forgotton patterns. If you are lucky, it makes you harder to kill. But it's just a layer of common, non-magical metal between you and death, and while that metal is better than nothing, there are many better things in the world that could be more efficiently and more comfortably protecting your body.