THANKS for the quick answers, much appreciated!
(and it makes sense, thanks for setting us straight)
3.3.2. Armor only protects areas covered.
I take this to mean bracers do not give a hit point to your body or legs, Chest armor will not protect your forearm, etc. ??
3.3.3. Armor must be of a size to cover a significant portion (approximately one-third) of a Target Area.
Question: Arm is a target area, bracers cover almost half the arm, does the upper arm get the extra hit point from bracers? Likewise, greaves cover from ankle to knee, almost half the leg, do greaves count as thigh coverage?
To summarize:
The BOW does not break down limb parts. It's Arm/ Leg/ Torso/ Head.
Do realms count a single piece of armor covering 1/3 or more as protecting the entire target area?