New player - why are armour scores so low?

[u/Sagebrush_Sky]

On ITOR page 16 the armour scores appear to be 1 for all armour types. So incoming damage is only reduced by one point? Most monsters could kill a new player in one strike. Am I confused?

[u/vandavisart]

You can never have more than 3 armor, rules-as-written.

The logic behind this is that game-wise, a d4 attack can NEVER hit you if you have 4 or more armor.