ok, Am I reading this right?
for every 2 points over body*2 you lose 1 point agility and reaction(i.e. body 3 loses points @ 8 armor)
also if wearing 2 pieces of armor you only count the higher of the ratings, but you add them together for calculating encumberance(so an armored vest(6/4) under a lined coat(6/4) adds no extra protection, but costs you 4 points of agility and reaction?because you're 12/8 for encumberance?)
You seem to have it, except that the rules specify (or fraction thereof) meaning you round up. (SR4A, 161). so body 3 actually loses its first point at 7 armor.
Generally the only time it is worth layering armor is if you are wearing a high ballistic/low impact piece in conjunction with a piece that is low ballistic/high impact. (In sr3 you got half the second highest piece added as well, but this resulted frequently in double digit armor ratings...).
And of course FFBA is exempt from these rules. But those are about right. And also, Body x 3 for customization.
One of my favorites is full FFBA and the Evo HEL suit. Really easy to get good armor high, with a lot of special environment protections. Your character has to be comfortable with their form though, as both of those are skin-tight (or nearly so).
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