I've been mulling this over semi consciously and yesterday an idea came to me. Why don't people like to wear helmets? A common complaint is that they "are bulky". In fact, some research has suggested that young kids shouldn't wear ski helmets because it messes with their balance etc. and causes them to fall more.
As much as anything else, it is a dexterity issue. Dependig on your ruleset, dexterity also affects initiative. So how about this.
Full Helmet (+1 AC, +3 saving throws, - 2 Dexterity) Half Helmet or Armored Cowl* (+2 saving throws, -1 Dexterity) Leather Helmet (+1 saving throws, -1 Dexterity)
*Armored Cowl is mentioned in GPoD, along with a lot of generic helmets. I take it to mean something like a chainmail hood.
I'd also suggest that wearing a helmet does not affect any Dexterity bonus or penalty to missile weapon use.
_________________ "The gamemaster may find that sometimes it is a good idea to just let the unexpected lead where it will." Dave Arneson - DNA DOA
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