To get any armour bonus you must have the skill or it counts as an AV of Zero. I can't rememeber if you ever could do that but in 94 (?) your head was imm to damage.
"Armour Skills
With these skills, your character can wear amour and gain protection from wearing it. Armour worn
as costume, without the appropriate skill, offers no protection to your character but still restricts
casting spells as normal."
Pg 48 players v4
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Yes I can be sarcastic, when you read the rulebook... i'll stop... a bit :D