I also do like the \"layers\" idea, but maybe they would only be allowed on few parts of the body (trunk, legs and arms) or only under few armors (plate, robes and so on...)
I would also like to use this thread for a wish that too many RPGs forget...
Will there be \"normal\" clothes ? I mean pairs of trousers, pyjamas, dresses, hats, coats and so on ?
Cause when being in town, most of the people like to wear something more comfortable than your heavy noisy can-looking plate armor...
And if you want an alive society, you will need weddings, dinners at your friends, discussing long a river, going for a drink and all those tiny details that enable you to play a \"human being\", not only a \"warrior\", a \"wisard\" or a \"smith\"...