Well, for combat (magic aside), part of the problem is 4th's inflated Armor values. Someone with Body 4, wearing an Armor Jacket (described as "the most popular armor on the streets"), is getting 12 dice to soak, which is a generally reliable 4 hits. Then factor in their Reaction+Dodge, and, you can see why shooters want die pools in the 20s, if they can pull it off.
No, I cannot see that. I get along perfectly fine with my 10-12 Dice in Firearms. If they are Dodging, they are not Shooting back at me.

I have yet to see Armor as causing a major problem. Of course, we do not see crazy levels of Armor at our table, either. As you said, the Armor Jacket is the most popular for a reason (I actually think the Long Coat takes that distinction at our table, however).
