for my reply to training i was implying weapon skills are easier to level up than defensive skills if you do not employ exploits, not if you do.
as for chipped bones being a sign of low stats...i had some demi-god adventurers at one time that were armor users (this was when i first started playing adventurer mode); those characters had maxed endurance, high willpower, and maxed toughness and still took chipped bones from zombies, bogeymen, and ranged attackers, especially extremities (im sure the armor they used was at least +Iron+ or bronze, i dont remember exactly).
as for character class, i recently made a few peasants too; they are much harder at the start (armor or not), but i still started out with 1.1k-1.3k speed, which would end up as roughly 1.5k speed later in the game. Thats enough of a difference to justify not wearing armor at all; at least near the start of the game.
1 more important thing, it seems the weight values are significantly different for the same items between our games. Clothing and leather armor all weight under 1 unit of weight in my game. chainmail weighs about 20-30 units of weight depending on the material, helms 8-10, greaves/leggings 20-30, high boots 3, gauntlets 1, breastplates at least 30. (note i tend to wear metal gauntlets and boots, since those dont weigh that much, just not extremely heavy armor like greaves and breastplates). Shields are also very heavy, at 10-20 in weight, such that i have forgone wearing a shield on my peasant until i can reach my hide-out that my last adventurer retired to and obtain a featherwood one (the spare hand is somewhat useful for disarming bandit leaders if you can grab their weapon from the behind).
in your case, i suppose if regular clothing really did weigh 8 units and armor was only twice that... i would either play completely naked or go armored (most likely go armored)