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For Sellswords and Spellslingers shield and armour almost unbalance the game. Characters without are at such a disadvantage you would wonder why anyone would not wear armour.For this set of rules I wonder about encumberance affecting activation rolls - this seems the easiest solution.Any other ideas welcome.
Hmm ... I think armour should be a major advantage. A fifteenth-century man-at-arms in full plate would take a fair bit of killing. And until you get to that stage, a shield should be a massive advantage over not having one.
I am not saying armour does not have a major benefit, but that only the benefits of armour are modeled, not the disadvantages. I am also meaning for small skirmish games and possibly more "adventure" games.