Like it says, Encumbrance only applies to Armor Accessories, not normal armor.
This still doesn't really make sense. The paragraph in the book which handles armor accessories says two things regarding encumbrance which seem to apply only to accessories and are somewhat redundant.
1. You cannot receive more of a bonus than your Strength allows.
2. If the value does exceed your Strength, you receive negatives due to encumbrance.
Does this second rule, found in the area which pertains to accessories, apply only to accessories or
should there be an erratum which puts this rule in the same paragraph which covers armor in general? I am trying to figure out if you can put every character in Full Body Armor, no matter what their physical stats. Or does the second rule also apply to your main piece of armor? Based on where the rule is, it doesn't seem that way, though I instinctively feel it should.
By the way, I think hitting 0 gets you paralyzed.
Looks like you're right. In the description of the Decrease [Attribute] Spell, it says, "If a Physical Attribute is reduced to 0, the victim is incapacitated and paralyzed. If a Mental Attribute is reduced to 0, the victim stands still, mindlessly confused." Presumably this applies to every instance of your stats hitting zero; not just for the effects of this spell.
Perhaps this should be in the errata so it can also be written somewhere near the Armor and Encumbrance section, since it's relevant to that cumulative attribute decrease. Or maybe even near the section which describes attributes and their functions. Though it might need to be reworded for use with armor. I assume that putting on a big piece of armor doesn't necessarily paralyze you, though it might make you useless for the purposes of combat.
I've made bold the things which are possible errata for the benefit of the moderators, just in case they're skimming. Though I'm still curious about the rule for heavy armor on a tiny dude.