I think people hate to choose their gear based on points. We have all these gents that like to role play, but you can either look the way you want or you can have the maximum armour points.
I think armour should be divided in 6- peasant, light, light medium, medium, medium heavy, and heavy. Same armour protection across the board. You buy your class of armour based on your fighting style or strength or poverty. But then you can get your own individual look without having to sacrifice points cuz of vanity.
I have noticed people only want diversity in weapons- the speed/power/reach combos fascinate people. But not so for armour. People just want to look pretty according to their level of protection.
So I’d say just give 6 stats for armour. Keep it simple, and let us choose our look instead of “points” choosing our look for us.