Conventional Body Armor in Villains and Vigilantes

Morpheus Unbound | House Rules

While it is testament to V&V's "four-color" comic book flavor that it lacks rules for conventional body armor, it is also very frustrating.

Conventional Body Armor: Conventional body armor is the type worn by police, security guards, and sometimes military personnel. It is commercially available, but typically very expensive. Unlike the "super-armors" worn by CHESS or Intercrime, this armor is often heavy, restricts movement and takes a lot of time to put on or take off.

All body armor has SR12. If the SR are of the armor is exceeded, the armor is destroyed and no longer offers protective value. The armor (rather than the wearer) can be attacked as a normal special attack.
Bullet Proof Vest: Lets the wearer take twice as many points to Power as normal.
Light Body Armor: As BP Vest, but also provides 4 points of Invulnerability. The wearer suffers -1 to Accuracy.
Medium Body Armor: As BP Vest, but also provides 6 points of Invulnerability. The wearer suffers -1 to Accuracy, benefit from Evasion reduced by 1.
Heavy Body Armor: As BP Vest, but also provides 8 points of Invulnerability. The wearer suffers -1 to Accuracy, benefit from Evasion reduced by 2.
CHESS Knight Power Armor: ADR 50 with built-in Power Blast projectors (14", 1d20, 16 shots). This armor does not restrict movement. It is worn by Knights (male agents) and Valkries (female agents). (q.v. page 29, Revised V&V rulebook). NOT FOR SALE.
Intercrime Power Infantry Armor: Invulnerability +8 with built-in jetpack (max airspeed 65mph, 1 hour flight per recharge) and communicator. It is worn by Intercrime Power Infantry troops. (q.v. page 29, Revised V&V rulebook). NOT FOR SALE.

If your gaming group interprets the rules to apply Accuracy benefits before consulting the Combat Table (which can negate the Accuracy modifier completely) then the above Accuracy penalty should be treated as a Damage Modifier penalty instead.