The Modern Path >Wealth and Equipment >



Modern Armor is made to be used against modern firearms. The GM can decide how to use the armor’s defense value as an Armor Class bonus or as a Damage Reduction/Slashing.

If the Defense value is used for an Armor Class bonus, then this bonus applies to the character’s touch AC against firearm attacks.

Regardless of how the value is used, the armor still retains the fortification bonus.

Armor Table

Armor is described by a number of statistics, as shown on Table: Armor.

Defense: The GM decides to use the value for an Armor Class or Damage Reduction/Slashing

Fortification Bonus: Modern armor also includes the special quality of Fortification.

When a critical hit is scored on the wearer, there is a percent chance that the critical hit is negated and damage is rolled normally.

Maximum Dex Bonus: This number is the maximum Dexterity bonus to AC that this type of armor allows.

Skill Penalty: This penalty applies to checks involving any Dexterity based skill.

Speed: Medium and heavy armor slows a character down.

Weight: This column gives the armor’s weight.

Cost: This is the purchase cost to acquire the armor.

Armor Defense Fortification Bonus Maximum Dex Bonus Skill Penalty Speed Weight Cost
Leather Jacket 1 0 30 4 lb. $
Sport Padding 2 +6 0 30 15lbs $
light Undercover Shirt 2 +10% +7 0 30 2 lb. $
Pull-up Pouch Vest 2 +10% +6 -1 30 2 lb. $
Undercover Vest 3 +10% +5 -2 30 3 lb. $
Concealable Vest 4 +15% +4 -3 20 4 lb. $
light-Duty Vest 5 +15% +3 -4 20 8 lb. $
Tactical Vest 6 +20% +2 -5 20 10 lb. $
Special Response Vest 7 +25% +1 -6 20 15 lb. $1,000
Forced Entry Unit 9 +30% +0 -8 20 20 lb. $1,000

Armor Types

No Proficiency Required

The following do not require a weapon proficiency to use.

Leather Jacket

This armor is represented by heavy leather jacket.

Light Armor

Sport Padding Armor

A number of other impromptu armors, such as football pads and a baseball catcher’s pads, offer similar protection and game statistics.

Light Undercover Shirt

Designed for deep undercover work in which it’s critical that the wearer not appear to be armed or armored, this garment consists of a T-shirt with a band of light protective material sewn in around the lower torso.

Pull-Up Pouch Vest

This garment, consisting of a torso apron of light protective material held up by a loop around the neck, can be stored in an innocuous fanny pack. Deploying the apron is a move action.

Undercover Vest

Covering a larger area of the torso, this vest provides better protection than the light undercover shirt—but it’s also more easily noticed. It’s best used when the armor should remain unseen but the wearer doesn’t expect to face much scrutiny, granting a +2 bonus on Perception checks to notice the armor.

Medium Armor

Concealable Vest

Standard issue in many police forces, this vest provides maximum protection in a garment that can be worn all day long under regular clothing. While it may go unnoticed by a quick glance, it grants a +4 bonus on Perception checks to notice the armor.

Light-Duty Vest

A lightweight tactical vest designed for extended use by riot police and forces on alert for potential attack, this armor sacrifices a degree of protection for a modicum of comfort—at least compared to other tactical body armors.

Tactical Vest

The standard body armor for police tactical units, this vest provides full-torso protection in the toughest flexible protective materials available.

Heavy Armor

Forced Entry Unit

The most powerful protection available is built into this suit, which consists of a heavy torso jacket with ceramic plates over the chest and back, neck and groin guards, arm protection and a helmet. Heavy and cumbersome, this armor is generally only donned by tactical officers heading into a dangerous assault.

Special Response Vest

Built like the tactical vest, but incorporating groin and neck protection as well as a ceramic plate over the chest, this armor provides additional protection in battles against heavily armed opponents.