Re: combat luck and armor........
Actually, in my game, I penalise armour use in a similar fashion to you (-1/-2/-3) for light, medium and heavy armours to DCV and DEX roll (in addition to any encumbrance). Armour on the head adds the same penalty to PER rolls. I don't require proficiency, but like you allow PSLs to offset the penalties.
One thing I am considering is applying this penalty to REC as well, so prolonged action in heavy armour will eventually wear people down - tough characters could of course buy more REC to offset this.
Even *with* the current penalties, armor is extremely attractive to players - I find too much so, if it's allowed to stack with combat luck. OTOH, I don't cap how much combat luck people can buy - it's more negotiation on a case by case basis.
cheers, Mark