Armor that's stripped off a character is ruined, but repairable.  Right now to keep things simple, I'm going to just say that the party won't have supplies to repair armor out in the field, but repairs are free once in a town.  Whether it functions enough to be used as "clothing" is up to the player.<br/><br/>Later I might come up with more rules for broken armor, but right now I'd like to just try the basic system a bit first.