Re: Experience and the Armour Penalty
Hullo, Steve,
I believe that this has been discussed in another thread somewhere here in the forums. My search-fu is not good. That said, there may well be a rule covering this in the Survivors book.
Insofar as your suggestion goes, I don't think that using Experience points is the way to go on this. I would create a Talent to do it. Already worked out a rough version of it for the game, but will wait to see what is and is not in Suvivors.