True, armor is more of a burden than boon in most situations. I was debating selling that shit too but kept it in the end. It's still somewhat useful against melee, shotgun and SMG wielding mobs. But yeah, the whole system leaves a lot to be desired. It absolutely needs to work like the damage threshold of the energy weapons, only the other way around, where damage greatly increases if you're not wearing any.
My requested tribute is to FedEx three containers of sludge back to the Mad Monks. Naturally, a raider with a monk escort is stationed near one of the sludge barrels, claiming it's his container of sludge and that I shouldn't touch it.
Yeah, happened to me too. Problem is due to the linearity of the area and previous experience with the quests in this game most players won't expect there are actually extra quest items to be had and they don't have to fight tooth and claw over this particular one. I didn't have a high enough Ass skill either, entered combat and my monk turned on me. Had to kill him and proceed all the way to the Temple without him. Only then I found out there are like 3 extra containers further on.
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