I know the % covered refers to physrep.
A tag that says 5 point leather chest.. well. it says "leather chest" -- that, to me, implies a breastplate or apron, but that's just my mental envisioning-- Regardless. It reads "leather chest" -- a leather piece that covers 20% of the body.
If I made a new character and showed up wearing 76% coverage of museum quality leather armor, I'd get tags for .. well, "full leather armor" if checkin was rushed, or "leather chest/back" "leather arm" "leather leg" "leather helmet", for some combination of values adding up to 6. I'd not just get a tag for "leather chest - 6" What I'm saying is that a 6 point leather chest can't exist. and neither can a 5.
Also, on the full plate thing.. it's not a matter of taking it apart, tim. it's a dozen different pieces, each with it's own buckle. just choose not to put on any parts below the waist.

