Thanks for the reply. However, these are only T5 questions. I bought the books and I'm refereeing a campaign and have these questions about T5 specifically.
The armor system is different from other versions of Traveller I've played, such as the original back in the 80s and the Mongoose version, so they're no help here. I get why you state people have asked questions like this for decades, but T5 is quite a bit different in how its systems work. For example, high tech cloth states it can be worn under armor in Mongoose, but this 'armor stacking' question isn't addressed at all in T5. I can't help but notice rule #2 of your Loren Wiseman quote "Be careful not to destroy the balance of play." Indeed, and why these questions are important, especially because of quote #1!
Anyway, I see you're a Super Moderator, so that probably means you know T5 and other versions quite well. Your answer that everything is rule 0 makes me sad, but at least I can assume that there isn't any guidance provided in the books.
Appreciate it robject!