I completely disagree with this. The whole point of those types of armor is that it has a drawback for the benefit. What you're proposing essentially nullifies that drawback, giving full armor with no recompense. Moreover, you're suggesting having stuff to balance the roll but that's literally the point of group rolling. To have a group balance each other out and help each other than relying on a single skill leader. It's also a group game. Having a skill leader feels very contradictory to the entire purpose of the game, imho.