What exactly are you asking? All armor is the same under the rules regardless of style or location - it protects the area it covers only, and protects each target area (arm, body, leg) underneath it against one blue hit and an infinite number of single-green stabs, but does nothing against two handed stabs, red hits, or missile weapons (except for helmets).
Are you asking what you should do if you get hit in the skirt but it
doesn't actually hit your leg? There was
a long thread about that a little while ago, which had mixed conclusions. Some people say don't take it (call garb), but the safe bet would be to take it as a hit to the armor regardless.
WikifiedSquire to Sir Kyrian; Commander, Clan of the Hydra
"There is only one appropriate attack for all polearms, and that is the thrust."Antonio Manciolino, Opera Nova, 1531