User blog comment:MrPacheco101/DF Championship Round 8: The Punisher vs. Roberta Cisneros/@comment-2149911-20110512031529/@comment-2217541-20110512052237

Its up to you whether you want Roberta to wear armor or not. It's like you said, the armor can be penetrated, and unarmored warriors have taken out armored warriors before. Besides, even without the kevlar, Frank's durability is almost armor on its own.