Armor you are not trained to use hinders rather than helps. Each step above your training reduces how much protection the armor provides, reflecting poor fit, balance, and inefficient movement.
| Armor Worn | No Training | Light Trained | Medium Trained | Heavy Trained |
|---|---|---|---|---|
| Light | –3 | 0 | 0 | 0 |
| Medium | –6 | –3 | 0 | 0 |
| Heavy | –9 | –6 | –3 | 0 |