Chainmail Bikinis and Loincloths

After my my last post where I talked about armor and the different rules for it I got asked the question about chainmail bikinis and loincloths. I almost went back and edited that post to include it but then I figured this topic needed a post of its own. 

The idea of a chainmail bikini, loin cloth, battle armor, bracers, and maybe a shirt as armor is laughable in a realistic sense but who cares? It is all about style and setting. The genre of Sword and Sorcery is full of heroes that do not wear armor beyond some regular clothes or a random piece of armor here and there. Then we have the icon Conan and Red Sonja style heroes.

So, using the ideas discussed from my Make Mithril Great Again post lets see what I can do.

• Ascending Armor:  AC is calculated by Dex Modifier + Charisma Modifier. Chainmail undies provide a +2 AC bonus. If any armor worn is heavier then chainmail undies then the character loses the benefits from the Charisma Modifier to AC. Shields can still be used.
• Ascending Armor w/ Damage Reduction: Chainmail undies provide the following benefits: AC Bonus +1(11) + Dex, DR 1. In addition, Charisma modifiers are added to the DR. If any armor worn is heavier then chainmail undies then the character loses the benefits from the Charisma Modifier to DR. Shields can still be used.

• Descending Armor:  Requires a Charisma of 15+ and a Constitution of 15+. AC is 4. Shields can still be used. 
• 2nd Wind: If the character states that they are wearing the appropriate garb then they have the benefits of armor. 
• Armor Pool of HP/Wounds: Treat it as light armor and if the game has a mechanic for Charisma (or something like it) then give the armor a bonus. 
• Armor that Completely Ignores Hits: Treat it as light armor and if the game has a mechanic for Charisma (or something like it) then give the armor a bonus. 
• Armor Saves: Treat it as light armor and if the game has a mechanic for Charisma (or something like it) then give the armor a bonus. 

Then, a final point I would like to make is the character choosing this style is considered clothed for elements. Once again, it is all about style and theme.