I think ive said something about this already, as a part of a long post about a bunch of stuff, but maybe its worth separating it into a specific suggestion.
How about if physical and magic armor beneficial effects would be percentages instead of hard points you need to reduce to zero?
This way, you and enemies could still have additional benefit of this new mechanics but it would not be such a hard barrier as it is now.
In this case you could still hurt someone who has only 50% of his armor, and damage received would be reduced by 50%...?
Or he would have 50% chance to resist magic and 50% of magic damage that went through...
And lets say that a difference between a 100 points and 200 points of armor is that it should take more damage and time to reduce those 200 points ... i guess?
So... you would still damage and reduce the armors by hard damage points, only their effects would be percentage based instead of hard points you need to reduce to zero.
Im not sure is my mathematic logic good here, but thats the main gist of the idea.