PeteAtoms
FormulaRandom
The problem with having unarmoured be governed by Agility / Endurance rather than a separate skill is that it makes being unarmoured/wearing clothes a worse choice than wearing any armour (for which you got skill points and get increasingly better use out of).
Over the course of the game, not wearing armour became a significant burden that way. You might feel that to be realistic, but it means that any mage / thief / assassin roleplayers had to game the system instead of play it, and were pretty much forced to wear armour in the end.
Balance is the solution. And of course it is easy to say, "duh, just make it balanced," but I'm not a designer and I'm pretty sure it is a tremendously difficult issue to deal with. But I think that's the issue.
Why can't a mage or thief put skill points into an actual armor skill instead of a meta-game fix skill? What's stopping someone from playing a mage or theif that also has heavy armor as a major skill?