There are a number of different "town" concepts; stuff like cosmopolitan, frontier/outpost, rural, decadent, declining, etc. Each have a different feel, attitude and a possible aligniment to them, they can be mixed.
- Cosmoplitan - is a city/town that is at the center of a country, it has no foes around it and is very lawful. It has art, science, education. People feel safe in it and do not carry weapons or wear armor. Those they do are seen as hicks, trouble makers and vagabonds. -30 to all charisma!
- Frontier/Outpost - is on the edge of a country, it is home to all sorts. The people make their living the hard way. Any law is more than likely military. You can walk around with just about anything and no one will say anything to you, as long as you do not make trouble! Trouble is basicly murder.
- Rural - is a town that supports another town or city. Mostly lawful and safe. But it's feel is dependant on what it supports.
- Decadent - Cities and towns of sin, this is all about money. If you don't have it, you are not welcome. If you do have it, you are king, it is just everyone wants it.
Thanks for a post that actually helps me as a DM.
I can picture somebody trying to get into a fine inn in a large city in fullplate, shield with a crossbow strapped to his back. It looks out of place, the character looks paranoid and people won't be helpful to this lunatic.
In the same large city, in the worse part of town you will be noted with all your weapons, and probably given some respect. You are obviously not belonging to the place, but money can help you out.
In a smaller town, you can get by arriving in full armor - you have obviously been traveling far and people will probably treat you respectfully. You might after all be tough enough to take over the town...
You arrive at the idyllic fishing village and begin bargaining with a fisher to take you along the coast. You are obviously a washed up piece of fish and will have to pay through your nose to get passage.
Generally I think it will be frowned upon wearing heavy armor/weaponry in well civilized cities. If the regular guy goes to the inn without armor, so should the PC be allowed to do so. If it isn't safe, the innkeeper will be seen wearing armor and there will be safety precautions all over the place, a little like a military base.
The moment your PC's start wearing armor and all their weapons inside civilized inns, I think you have probably created an unlikely world.
On the other hand, rough bars where the chain mail clad dwarf drops his axe on the table and hollers for ale might be a piece of the scenery and the players will feel at home in their heavy armor.
