http://www.belegarth.com/board/viewtopic.php?t=10305
Is that answer correct? Because I'm sure the rules state that target areas are either covered or not by armor, not surface areas.
[Okay, the kinda strange on that part of the section. It should be made a little more clear, so I'll come up with a better wording that using target area covered to designate an armor's protection]