I will admit up front, this would not be very realistic at all. The main reason that I strongly suggest they implement it is to greatly reduce KoS-ing by making it more enticing to hold players up instead. As it stands, even once they get to implementing ballistic damage on items while they are still being worn - solving the issue to a small degree, there is still very little incentive built into the actual mechanics of the game to not KoS other players if you think you can survive it. Another meaningful improvement that this could make is to encourage robbers to not take all of a players loot but just a portion of it, as the player would then have much less reason to not just yell "screw you!", run, and get killed, destroying half of their loot in the process. So, consider that this would definitely make the game less realistic and more game-y, but I think the pros far outweigh that one con (the only one that I can think of); is this as fantastic of an idea as I think it is?