Charge, everytime a man is goes down it means he was most likely hit in an unprotected spot. The way the stats work (roll to hit, roll attack against armor, roll for leathlity) are just abstractions but even in the abstract what do you think it means when the armor roll yields a success for the attacker? The vast majority should be thought to represent a hit on an unprotected spot rather than the penetration of armor. The fact that more lightly armored troops have lower armor values is a result of more unprotected areas as well as armor thats easier to penetrate (in fact linothorax was harder to penetrate with an arrow than chain mail, although the padding under the chain mail might have evened the odds so what).
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