Hear me out- so far, armor doesn't feel worth the trouble.
I have a gambeson and chain mail. They get me the full 6 points on my torso, upper arms, and thighs. My list of cons include hauling it back and forth, getting it on and off, moderate loss of mobility on the field, risk of overheating, trying to keep track of armor points, and maintenance.
The pros are it looks good, sometimes it feels good to wear, and I can survive a few minutes longer between deaths.
It really just doesn't feel worthwhile dealing with armor. I'll be fighting someone, and their teammate will jump me from behind and play the drums on my back, killing me before I can disengage and turn around. Am I just bad at using armor? Is it something that gets better with practice?