Once again,
who is anyone to determine how one role-plays in their apparel choices?
ONLY developer game mechanisms will determine if and when certain (armour, weapons and other gear being carried) will have certain negative or positive effects.
Until the developers create rules for gear based on common sense, players have no reason to think about consequences of what they are wearing, because there simply aren't any.
LOGICAL OPTIONS LATER THAT COULD BE CODED/ARE CODED:
The ability to wear them........
Light Weight Armour (low amount of endurance + strength needed)
Medium Weight Armour (medium amount of endurance + strength needed)
Heavy Weight Armour ((high amount of endurance + strength needed)
The ability to wear magical attributed items........
(more and more amount of charisma + intelligence needed for more complex magical neck/back/ring wearable components)
(more and more amount of charisma + intelligence + will needed for more complex magical other armour/weapons wearable components)
The ability to use a certain weapon or wear a specific armour type.......
(specific amount of points in specific skill needed for more complex found weapons/armour) (COMBAT TAB)
.................basically, unless there is an algorithmic code written for it, then only will players abide by these technical parameters for RPing.