It assumes, you're going to max out your carrying capacity of your +armor mods. Weather its arm guards, helmets, face masks or other things.
Cause we could replace the helmet or face mask with Snake Mesh Socks.
I'm not saying you're wrong or anything. Just that.. Well, its fairly deceptive as you get really nothing.
=.=
Though of course by the rules of the book.. i think.. You could wear a great coat on top of a great coat.