Character-creation is pretty much it. Theoretically there are martial-artist NPCs (my first game I saw someone using Toad Style) but I’ve never had the opportunity to learn from one.
Guy I know made character-creation traits to start with other styles (5 points for an animal form, 4 points for the rest). Dragon Style isn’t that good so far, but it’s nice to have.
As for leg armor issues, yeah, I’d appreciate it if the block code took one’s clothing/armor status into account, rather than simply limb HP. If you have Tailoring, Army Pants could be repaired with a Sewing Kit back in the day–I’m not sure if GlyphGryph decided to unilaterally change that though.