Armour in most fantasy RPGs isn't very similar to how real life armour behaves. Verisimilitude isn't necessary but searching for it is fun.
Accepting that AC is a bit off, we go to a hobby that has way more investment in reality: the wargame. A very common thing done in them is to have "soft" and "hard" targets, squishy men and hard tanks.
Steal this idea. Now there is hard armour and soft armour and being effectively naked.
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