Armor
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Armor has several key factors to determine how effective it is at saving your ass from  hostile forces. The first factor is defensive power. If an armor has sufficient defensive power, you won't take any damage at all! The second factor is damage reduction. Every hit you take will be reduced by this amount, by up to half. The third factor is areas covered. Many criticals are much more harsh if a particular body part is exposed to assault.

 

Normal Street Clothing:

bulletDefensive Power: 0
bulletDamage Reduction: 0
bulletCovering: None
bulletBasic Description: You got clothes on. You might be decent to society, but you might as well be naked for all a bullet or dagger will care.

Padding:

bulletDefensive Power: 0
bulletDamage Reduction: 2
bulletCovering: All
bulletBasic Description: Padding can be added to any armor (even just clothes) here. It destroys any concealibility, but it does add a little something extra to keep the pain away. It's also the kind of padding that comes with a Fencing suit, or maybe a set of Zero-G football pads. Can also include improvised materials, such as tying a pillow around your stomach.

Armalite™ Spray-On Proofing
 

bulletDefensive Power: 3
bulletDamage Reduction: 2
bulletCovering: Varies
bulletBasic Description: Comes in aerosol cans for a cheap, affordable price. Often used for repairing tears and rips in sails, but also proves effective when sprayed over average clothing. Smells like turpentine, but it does come in a variety of matching colors. Is not compatible with other protective treatments found in armor cloth.

Armored Jacket:

bulletDefensive Power: 10
bulletDamage Reduction: 2
bulletCovering: Torso and arms
bulletBasic Description: It looks like a slick jacket of any particular fashion, but it's actually insulated and plated to help fend off injury.

Calvin Kain Pants and Shirt:
 

bulletDefensive Power: 10
bulletDamage Reduction: 1
bulletCovering: Torso and Legs
bulletBasic Description: 'It fits him, or her, or the one who's a little of both.' The commercials for Calvin Kain's casuals, all based on a Workman Chic imagery, convey more of a sexual image than a protective one. But, still, the line stands up to wear and tear well, but the light design still leaves one wanting for a sturdier protective suit.
 

Armored Trenchcoat:

bulletDefensive Power: 15
bulletDamage Reduction: 2
bulletCovering: All but head and feet.
bulletBasic Description: The expanded model of the above. Difficult to detect, good for looking good without looking scared.

Bouchant's Elegante
 

bulletDefensive Power: 16
bulletDamage Reduction: 4
bulletCovering: All but feet.
bulletBasic Description: A full wardrobe, all sewn into the same dress. Bouchant's extravagance is trademark almost, with this design as a mix of tunic, unisex skirt, and circular-brimmed hat with a flat crown. Added in are interlocking plates of demiplastic, forming a solid, stiff, neo-modern look. It doesn't breathe well.

Hugo Endboss' Professional Line:
 

bulletDefensive Power: 17
bulletDamage Reduction: 2 (3, for the Winter line)
bulletCovering: All but head and feet.
bulletBasic Description: Based for the younger generation of corporate workers, the Hugo Endboss collection has a fine array of tastefully made and cut suits, all with a sturdy inner lining that still provides some affordability. The standard look, 'The Professional,' is a two-piece men's suit with a matching overcoat. The winter edition features a sturdier, heavier HeatLoc lining.

Malboroz Thug Gear
 

bulletDefensive Power: 20
bulletDamage Reduction: 5
bulletCovering: All
bulletBasic Description: Made by a streetie-level boutique, the Marlboroz fashion tag is THE in-thing for the urban trendsetter, or someone who wants a bit of flash to go with their downside position. The full gear is a heavy jacket with removeable impact plates and stiff baggy design pants, as well as heavy boots and a kepi-like helmet that covers the back of the neck. The designs often include the gang color and insignia of your choice, but the standard design includes grey bullet-lead streaks in starburst patterns and a snarling Malboro illustration on the chestpiece. +1 difficulty to Athletics/Dodge checks

Chest Plate:

bulletDefensive Power: 25
bulletDamage Reduction: 10
bulletCovering: Torso
bulletBasic Description: A huge rigid plate to cover the chest. It's awfully effective, if not full scale. Though it guards your vitals nicely, you'll find your legs, arms, and horrible head shots might make this a leery choice.

The Gentleman
 

bulletDefensive Power: 22
bulletDamage Reduction: 4
bulletCovering: All
bulletBasic Description: Somewhat of a throwback design, even for the most conservative circles of corporate life, the Gentleman line is produced by Bouchant's design house. It features full pants of armor-cloth, with a secondary lining. Shirt, a waistcoat, a jacket, a belled cravat, and even a greatcoat. The design can be very uncomfortable to wear in warm weather, and the wide-brimmed fedora that comes with it is often uncomfortable due to the demisteel reinforcement mesh, but there are few urban designs that can beat it for simple durability and tasteful class. +1 difficulty to dodging and athletics.

Full Body Armor:

bulletDefensive Power: 25
bulletDamage Reduction: 8
bulletCovering: All
bulletBasic Description: Used often by the cops, this full set of armor always comes with thick boots and a protective helmet. It's the best you can get before you get into the environmentally sealed options. Athletics and Dodging attempts suffer +2 difficulty.

Environmentally Sealed Biosuit:

bulletDefensive Power: 10
bulletDamage Reduction: 2
bulletCovering: All
bulletBasic Description: It doesn't do that hot against physical trauma, but you're safe from toxins, radiation, and airborne agents. Go you. Any critical that reports damage to clothing or armor results in a compromised suit, rendering its immunity null and void.

Interlocking, Sealed, Body Armor:

bulletDefensive Power: 30
bulletDamage Reduction: 10
bulletCovering: All
bulletBasic Description: An intimidating armor of steel and high tech plastic. Results that imply clothing/armor damage has a 50% chance of NOT harming the suit. Expensive, obvious, effective. Athletics/Dodging rolls are at +3 difficulty.

Light Powered Sealed Body Armor:

bulletDefensive Power: 35
bulletDamage Reduction: 13
bulletCovering: All
bulletBasic Description: Military grade. The low end of army heavy gear. Armor damaging criticals only have a 30% chance of penetration. Servos and active assistance machinery keep the penalty at +3 difficulty despite the additional bulk. The user's effective strength increases by 5, offering +1 success to strength rolls. What criticals do penetrate this suit are reduced by one grade.

Medium Powered Sealed Body Armor:

bulletDefensive Power: 40
bulletDamage Reduction: 16
bulletCovering: All
bulletBasic Description: Military grade. The average of army heavy gear. Armor damaging criticals only have a 20% chance of penetration. Servos and active assistance machinery keep the penalty at +3 difficulty despite the additional bulk. The user's effective strength increases by 10, offering +2 success to strength rolls. What criticals do penetrate this suit are reduced by one grade.

Heavy Powered Sealed Body Armor:

bulletDefensive Power: 45
bulletDamage Reduction: 20
bulletCovering: All
bulletBasic Description: Military grade. The high end of army heavy gear. Armor damaging criticals only have a 10% chance of penetration. Servos and active assistance machinery keep the penalty at +4 difficulty despite the additional bulk. The user's effective strength increases by 15, offering +3 success to strength rolls. What criticals do penetrate this suit are reduced by one grade.

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Accesories

Helmet:

bulletDefensive Power: --
bulletDamage Reduction: --
bulletCovering: Head
bulletBasic Description: It's a helmet.. What are you expecting? A helmet will help against many head specific criticals. If a critical does not mention helmets but causes instant death by head shot, there is a 50% chance that the helmet is destroyed instead. Money well spent. Helmets are assumed on anything that protects the head or 'all'. Any armor that protects the head imposes +1 difficulty to perception checks.

Greaves:

bulletDefensive Power: --
bulletDamage Reduction: --
bulletCovering: Legs
bulletBasic Description: Like the helmet, greaves are an addition to armor to extend protective area. Greaves shield the legs. Like head shots, if a critical ignores the presence of greaves and calls for the leg being removed, there's a 50% chance the greaves will meet their maker before your limb. Greaves are assumed on armor that cover the legs or 'all'. Arm greaves also available.

Armored Gloves:

bulletDefensive Power: --
bulletDamage Reduction: --
bulletCovering: Hands
bulletBasic Description: Afraid of losing a hand? These are for you. They impose +1 difficulty to actions requiring fine manipulation, like picking a lock or medicine, but if your hands are on the way to the great beyond, there's a 50% chance the gloves will buy it instead. Gloves are assumed on armor that protects 'all'.

Protective Boots:

bulletDefensive Power: --
bulletDamage Reduction: --
bulletCovering: All
bulletBasic Description: You detect a pattern yet? 50% chance of dying instead of a foot, +1 diff to sneaking or balancing on narrow surfaces. Assumed on any armor with foot or 'all' covering.

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Shields

Buckler:

bulletDefensive Power: --
bulletDamage Reduction: --
bulletCovering: Shield Arm
bulletBasic Description: Shields make parrying easier. So long as you score at least half the succs in a parry, this small device will soak up some of the trauma, causing the enemy a -5 on his damage check.

 

Large Shield:

bulletDefensive Power: --
bulletDamage Reduction: --
bulletCovering: Shield Arm
bulletBasic Description: This is a larger shield, about two feet in radius. So long as you score at least half the succs in a parry, this small device will soak up some of the trauma, causing the enemy a -10 on his damage check.

Riot Shield:

bulletDefensive Power: --
bulletDamage Reduction: --
bulletCovering: Shield Arm
bulletBasic Description: Unlike other shields, you don't really 'parry' with a riot shield so much as it's a nice mobile source of hard cover. So long as you're holding it up properly, you enjoy 50% hard cover, which makes it +2 difficulty to fire at you with a gun and +1 for melee/brawl asaults. On the downside, ALL actions while holding the dang thing up is at +1 difficulty. Against explosions that land in front of you, you will take half damage. If the damage from the explosion is over 50, the shield bites the big one protecting you.