Armor Check Penalty

Any armor heavier than leather, as well as any shield, hurts a character’s ability to use Dex– and Str-based skills. An armor check penalty applies to all Dex– and Strength-based skill checks. A character’s encumbrance may also incur an armor check penalty.

Shields: If a character is wearing armor and using a shield, both armor check penalties apply.

Nonproficient with Armor Worn: A character who wears armor and/or uses a shield with which he is not proficient takes the armor’s (and/or shield’s) armor check penalty on attack rolls as well as on all Dex– and Str-based ability and skill checks. The penalty for non-proficiency with armor stacks with the penalty for shields.

Sleeping in Armor: A character who sleeps in medium or heavy armor is automatically fatigued the next day. He takes a –2 penalty on Str and Dex and can’t charge or run. Sleeping in light armor does not cause fatigue.

Armor Type Equipment Bonus Nonprof. Bonus Max Dex Bonus Armor Penalty Speed (30 ft.) Weight Purchase DC Restriction
Light Armor -
Fire resistant suit Tactical +5 –4 30 10 lb. 13
Light undercover shirt Concealable +2 +1 +7 –0 30 2 lb. 13 Lic (+1)
EVA Suit Tactical +3 +1 +6 -2 30 21 lb. 14 Mil (+3)
Gear vest Concealable +2 +1 +6 –1 30 2 lb. 13 Lic (+1)
Undercover vest Concealable +3 +1 +5 –2 30 3 lb. 14 Lic (+1)
Medium Armor -
Concealable vest Concealable +4 +2 +4 –3 25 4 lb. 15 Lic (+1)
Light-duty vest Tactical +5 +2 +3 –4 25 8 lb. 16 Lic (+1)
Tactical vest Tactical +6 +2 +2 –5 25 10 lb. 17 Lic (+1)
Heavy Armor -
Special response vest Tactical +7 +3 +1 –6 20 15 lb. 18 Lic (+1)
Metal Alloy Armor Tactical +4 +2 +5 –4 30 30 lb. 18 Mil (+3)
Heavy Ballistic Armor Tactical +9 +3 +0 –8 20 20 lb. 21 Lic (+1)
Shield, impromptu Shield +1 +0 –2 varies
Shield, riot Shield +3 +1 –1 6 lb. 10 Res (+2)
Shield, Hardlight Shield +2 +0 -0 15 Mil (=3)

Light Armor

For the character who doesn’t want to be bogged down by more cumbersome armor types, a leather garment or some sort of concealable armor is just the ticket.

Fire Resistant Suit

This silver-coated suit provides fire resistance 10, but does not protect against any other type of damage. It is used primarily in emergency situations.

Light Undercover Shirt

Designed for deep undercover work in which it’s critical that the wearer not appear to be armed or armored, this garment consists of a “T-shirt” of light protective material sewn into the torso.

EVA Suit

Normally worn by pilots in combat situations this suit offers minimal protection but allows for a wide range of motion and its compact size makes it a perfect fit in the cockpit of cramped drop ships. This suit of light armor is vacuum-rated to allow the user to go EVA for up to 10 minutes. It does protect the wearer from nuclear (radiation), biological, and chemical hazards. When worn and completely sealed, it grants a +10 equipment bonus on Fortitude saves against radiation, disease, chemicals, or poisons (airborne or contact only). An EVA suit comes with an internal air supply that lasts for one hour. If an EVA suit takes 4 points of damage from ballistic, slashing, or piercing weapons, the benefits it provides are negated. If the suit has been exposed to some hazard, it must be cleaned and neutralized, taking 1 hour and requiring special chemicals (purchase DC 15) and high-pressure sterilization.

Gear Vest

This vest, consisting of light ballistic material held up by a straps around the neck and shoulders, contains pouches for ammunition and various gear kits.

Undercover Vest

Covering a larger area of the torso, this vest provides better protection than the light undercover shirt—but it’s also more easily noticed. It’s best used when the armor should remain unseen but the wearer doesn’t expect to face much scrutiny, granting a +2 bonus on Perception checks to notice the armor.

Medium Armor

Most medium armor is not terribly heavy, but nonetheless provides a significant amount of protection—at the expense of some speed.

Concealable Vest

Standard issue in many police forces, this vest provides maximum protection in a garment that can be worn all day long under regular clothing. While it may go unnoticed by a quick glance, it is usually visible to anyone looking closely for it, granting a +4 bonus on Perception checks to notice the armor.

Light-Duty Vest

A lightweight tactical vest designed for extended use by riot police and forces on alert for potential attack, this armor sacrifices a degree of protection for a modicum of comfort—at least compared to other tactical body armors. It includes ballistic plating that is very difficult to conceal.

Tactical Vest

The standard body armor for police tactical units and security forces, this vest provides full-torso protection in the toughest flexible protective materials available.

Heavy Armor

For the best protection money can buy, go with heavy armor, but watch out for the armor penalty.

Special Response Vest

Built like the tactical vest, but incorporating groin and neck protection as well as a ceramic plate over the chest, this armor provides additional protection in battles against heavily armed opponents.

Metal-Alloy Armor

Heavy Ballistic Armor

The most powerful protection available is built into this suit, which consists of a heavy torso jacket with ceramic plates over the chest and back, neck and groin guards, arm/leg protection, and a helmet. Heavy and cumbersome, this armor is generally only donned by forces heading into a dangerous assault. Gives the user 10+ Armor Bonus to Plating.


Impromptu: This includes “picked up” shields like garbage can lids or stop signs. They are bulky, unwieldy, and tend to fall apart after a few hits (hardness 5, 3 hp).

Riot: A riot shield is a large shield made of tough, transparent plastic, providing cover without hindering sight.

Hardlight: Generated from the HID, this barrier is readily activated, on command, by the user and is able to deflect ballistic, energy, and physical threats.


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