I get encumbrance penalties in somewhat odd situations. For example “Army jacket” + “Kevlar Vest”, gives you an extra point of encumbrance on top of whatever you get from the two items being fitted or not.
I think it’s a bit odd, especially when the Vest’s description even says “Suitable for wearing under clothing”. Interestingly enough, the vest does not add penalties when used in conjunction with any of the “close to the skin” items.
Is this intentional?