Well I'll tell you HOW I think about the 10+1...
10 for the Armor, it wears off as it should be, and +1 for the armored Ablative Underwear their seen in, think of shorty wetsuits.
They are wetsuits that cover the complete torso, upper arm and upper thigh part of your body... consider them Neo-Kevlar ballistic clothing. Same material as the MechWarrior clothing... And then don't forget to remember that a possible crossover to this : it's a halfsuit... while a full suit would equal to the classic Clan Infantry battle uniform... Armor Divisor of 2. ( Meaning this cloth covering everything AND includes a Ballistic plate armor for the Shins, Vanbraces, Helmets and Torsos, including Pelvic plates...
TT