QUOTE (Yerameyahu @ Jun 19 2010, 12:25 AM)
Let's assume that vehicles are not part of a discussion of personal armor.
Fair enough, then off the top of my head
Assuming a human with a Body of 6 with 6 essence and access to spells and spirits either from himself or from a contact/party member
All spells and Spirits are considered force 6
All armor upgrades (And armors) are assumed to stack only once (game doesn't support this)
24/24 out of cyberware
+36 armor from Spirit possessing the Cyberware parts
+36 from Harden Spell uses on Cyberlware parts
Greatcoat 6/5
FFBA 6/2 (counting as 3/1)
Helmet 2/2
PPP system 2/6 (all 5 items)
----------------
Total 16/15 (13/14)
Spirits possessing armor items +48
+48 from Harden Spell
Gell Packs in each item +8 (this will cause encumbrance, unless you use body x3 rule, also technically spirits can posses the gellpacks further increasing their utility, lets not do this for now)
Armor Value without Gellpacks
208/207
Armor Value with Gellpacks
216/215
Keep in mind that only the 16/15 from the worn armor counts for encumbrance purposes, everything else does not restrict your movements or penalize your stats.
Edit: I might be off on the worn armor by a few points, otherwise exchange the armor for something slightly less protective to stay around the 12ish range, the end numbers vary only slightly.
Edit 2: After cracking open my main rulebook it actually looks like the character is slightly encumbered, in this case two options present themselves. Either change the character to have a 7+ Bod and Agi, or remove some of the PPP system to get the armor down to 12/12. This will affect the final numbers by around -24 or so.