Dikote raises the Ballistic and Impact Armor ratings by +1 each and gives the armor a Barrier Rating for certain purposes. Generally it's not worth the cost since Dikote has insane costs, but according to your original post, you were implying the GM was just letting you go crazy with it. So if that were true, you might as well do it.
![smile.gif](http://invision.dumpshock.com/html/emoticons/smile.gif)
Gel-packed armor (unless my memory is totally failing me) only converts standard armor to hardened armor. Hardened armor just means that it ignores any attack with a Power equal to or lower than its ratings.
Vehicles have rules for staging down an attack, but that has nothing to do with armor ratings.
As far as what modifications you can take, it's really up to the GM. But if it's a problem, just get 11 points worth for the armor and another 3 seperate points for the helmet -- that's 100% rules-legal. For example, Thermal Dampening 6, Insulation 1, and Fire Resistance 4 for the armor and Nonconductive 3 for the helmet. By a strict reading of
Magic in the Shadows, it only takes 1 point of Insulation to completely negate any spell with Elemental Ice associated with it. But I admit it is pretty cheesy and you'd be better off putting that modification point somewhere else, such as boosting Fire Resistance or something.
Ruthenium polymers doesn't count against your limit. If you have a huge budget, GET IT. There's no reason not to if you can afford it. You'll be at +12 against any visual tests, and with that Thermal Dampening 6, you'll be at +12 against thermosense as well. Against other forms of detection, such as a vehicle's sensors or ultrasound, you're still at +6. Ruthenium = Good Stuff.