MOARN, I save the sense rules for special occasions.
In thinking of my example, and comparing with other versions, the M1911 is a little low, and the armor is high for versions of Traveller where armor absorbs damage (or I'm off on what assault armor is... for example if it meant legitimate body armor (with plates and stuff), then maybe the idea of a couple of shots from a .45 needed to take someone down is more plausible, or have working armor only block a portion of damage (which would require splitting Armor treating impact and penetration differently)... but now I'm making house rules, and for all I know, the errata/examples clarifies things quite nicely.