Re: No armor
Yeah, the character appearance customization had to be the biggest let-down of the game to me. Cloathing included. Only two good outfits in my opinion. I'm currently wearing...
No shirt
Will pants
Monk gloves and shoes.
Before that, I had the wizard outfit (Big poofy coat and generic wizard hat).
EDIT
Oh, sorry, I kindof derailed form the subject. I think it's fine that the cloathing doesn't protect against damage. I mean, I hardly died anyways. Many complain that the game wasn't challegning enough, so I don't think it's too bad.