It's a balance rule.
The flavor to justify it isn't written to pass the Bar Exam, it's made to be plausible when you overhear it at a poker game because you're focused on your hand and not analyzing stuff to death.
oh, yeah
THE WHOLE GAME IS LIKE THAT.
"Oh, really? They just choose not to wear it?"
*rolls dice*
"Sure, cool. 12 points of damage."
Just... roll with it.
The flavor to justify it isn't written to pass the Bar Exam, it's made to be plausible when you overhear it at a poker game because you're focused on your hand and not analyzing stuff to death.
oh, yeah
THE WHOLE GAME IS LIKE THAT.
"Oh, really? They just choose not to wear it?"
*rolls dice*
"Sure, cool. 12 points of damage."
Just... roll with it.