Every clothing item in game cover some part of the body. Let’s take survivor thenchcoat, for example. Description says that it has 85% coverage and it covers torso & arms. Does it cover 85% of torso and 85% of arms? Or does it cover 85%/2=42,5% of torso and 42,5% of arms?.
Also, I thought about some sort of subcategories of body parts. Like now we have eyes and mouth as parts of the head, there can be chest, belly and groin for torso. Or brachium, antebrachium and elbow for arms. It’s absolutely unnecessary to make separate encumbrance mechanics for this subcategories. But we will know for sure, that elbow pads cover exactly 100% of elbows and not some vague 20% of arms.