A thing with armour is, you don't wear it all day everyday.

You wear it to a riot, arena fight, or battle, and then you change back into your own clothes or workwear. So those naked germans mentioned earlier would put clothes on after the fighting, and the KiSA would take off the armour and just wear the underlying hose and gambeson or whatever.

My point is, a lot of the more extreme armours look daft if they are all your character is ever wearing regardless of what they are doing - for fights that intimidating perv armour is great, but the shopkeeper would maybe refuse to serve you (think of poor Arron, he'd be left talking to your posing pouch!), and your character would get some horrid chafeing if they tried sleeping in it!