Just a thought. How would a +1 Full Armor differ from a +3 Full Armor? More pieces of armor?
The NWN engine just isn't suited for all realism needs. If there were actual equip-able greaves, gauntlets, boots and the like - this wouldn't be an issue as it could've been individually equipped. On a side-note. Have you seen how gladiators fought, having only plated armor at the chest and having clothing/leather with maybe some chain mail for arrow protection on their limbs?
It's more or less about fighting then it has to do with appearances. I am however for that a piece of cloth shouldn't look like plated armor. I could also argue that maybe some wizards, monks prefer having plated shins? You know what damage you could do with plated boots as a monk?
My character Vincent came across this Gi wear, a monks clothing. I couldn't alter it in any way, except the feet and arms. I was happy with a +1 armor to find out they had these hideous uncraftable lower pants that look like something MC Hammer would wear. Talking about Hammer Time.
So I did the next best thing I could do - ROBE-IFY!
It's safe to say that people should trust each other a bit more to realistically, if not a tad bit unconventionally depict their characters. If their fighting style fits the outfit - I'm happy.