I don't think there's a sweet spot for
every runner.
Arsenal screwed that up with PPP (0/1) items (look ma! no encum!*) and FFBA's (el-cheapo encum) items. suddenly people were adding 4/3** to their armor for a single body worth of encum. Post Arsenal, I'd team that up with a body of 4 and any of the 6/4 pieces (Armor Vest, Chameleon Suit, Ulysses, Actioneer (1 pt lower) for meetings).
Now WAR! has come along with Softweave, creating the Softweave Armor Jacket so cheap that I can't understand why they're not sold in vending machines. 990

for a 8/6 duster that anyone could wear. That was the top-end once upon a time. Now it's so easy to wear even the homeless should have it.
QUOTE
IMHO anyone running with too little armour is a danger to his team, because even if he thinks he'll never be shot at, that might still happen, and then his team will have to carry his sorry carcass to the hospital.
From a certain perspective, for certain types of play, if he's being shot at, he's already made a bigger mistake than his armor choice. And given the frequency of our table selling each other out, I'm not making bets on that hospital trip. I expect the last words someone to hear is "I'll make it painless. Tell me a vital spot I can end it where I won't damage any of your 'ware".
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*most armor has less impact than ballistic. The PPP balances it out, effectively costing 0 encum.
** Personal note: I'm a half FFBA person. I'm comfortable with the thought of torso/groin/thighs coverage if I feel there's a chance of something going wrong. I consider booties, gloves, and a hood going too far. I leave that for the guys in the SWAT armor, who I also consider as going too far. SWAT armor
attracts attention. It's great if you're trying to disguise yourself as a SWAT member but otherwise leave it in the safehouse. I like to wear armor that makes social sense, which means I usually have a suit of some sort and some street armor for getting dirty. But that's just me. YMMV.