I didn't realise coats could be stacked - the rules suggest otherwise, in that it's only supposed to be the armour with a weight of '-' that can be added. Sorry if I'm getting something wrong here!
Fairly clear - thank you! Just one thing I don't get... assuming that all armour (except Faraday Coat) has an Arc Armour Rating of 7 as its base (i.e. no protection from Arc weapons), presumably a Faraday Shield will only ever increase to an Arc Armour Rating of 10 - which should be +2 points only. The exception is the Faraday Coat + Faraday Shield combination, which would give you an Arc Armour Rating of 14, which costs an additional +18 points.
You're not stacking them per se – rather, you're combining the effects you want to create a new type of armour. Feel free to call it a Faraday Breastplate or interpret it as a Faraday coat over a breastplate – the rationale isn't important in game terms – only the effect.
Yes – I was off in my maths (late night posting – apologies) – I added the arc on top of the physical armour instead of to base 7. Base armour against arc is 7, shield gives +3, so 10 total. So, a Faraday shield costs 2 (cost of the arc defence) plus the cost of the +1 physical armour. Your Faraday coat + Faraday shield calculation is correct.
Here's everything laid out:
plus shieldArmour 7 + shield = Armour 8 = 1 point
Armour 8 + shield = Armour 9 = 2 points
Armour 9 + shield = Armour 10 = 4 points
Armour 10 + shield = Armour 11 = 9 points
Armour 11 + shield = Armour 12 = 16 points
Armour 12 + shield = Armour 13 = 25 points
Armour 13 + shield = Armour 14 = 36 points
plus MS UmbrellaArmour 7 + MS Umbrella = Armour 9 = 2 points
Armour 8 + MS Umbrella = Armour 10 = 4 points
Armour 9 + MS Umbrella = Armour 11 = 9 points
Armour 10 + MS Umbrella = Armour 12 = 16 points
Armour 11 + MS Umbrella = Armour 13 = 25 points
Armour 12 + MS Umbrella = Armour 14 = 36 points
Armour 13 + MS Umbrella = Armour 15 = 49 points
plus Faraday shieldArmour 7 + Faraday Shield = Armour 8 / Arc 10 = 3 points
Armour 8 + Faraday Shield = Armour 9 / Arc 10 = 4 points
Armour 9 + Faraday Shield = Armour 10 / Arc 10 = 6 points
Armour 10 + Faraday Shield = Armour 11 / Arc 10 = 11 points
Armour 11 + Faraday Shield = Armour 12 / Arc 10 = 18 points
Armour 12 + Faraday Shield = Armour 13 / Arc 10 = 27 points
Armour 13 + Faraday Shield = Armour 14 / Arc 10 = 38 points
armour with arc protection= Cost 1 + Cost 2
Cost 1 – physical armourArmour 8 = 1 point
Armour 9 = 2 points
Armour 10 = 4 points
Armour 11 = 9 points
Armour 12 = 16 points
Armour 13 = 25 points
Cost 2 – arc protectionArc protection 9 = 1 point
Arc protection 10 = 2 points
Arc protection 11 = 4 points
Arc protection 12 = 8 points
Arc protection 13 = 12 points
Hope that helps with the spreadsheet.