Dodge could be a good passive skill. It would make people decide where to use points for skills - take away from offensive skills to keep from getting hit or put it in offensive skills to try to kill mobs before getting damaged.
With regard to armor, any armor should be able to be worn but if you don't have enough skill in wearing armor your actions will suffer.
Whatever my opinion counts for, I don't think that skill points are the most natural way to advance a character. I feel that weapon skills should be automatically gained through use of a weapon, rather than through arbitrarily assignable points, else like we say, you could advance a skill without ever practicing it.
I feel that customization should be through non-weapon skills, like which spells to learn for a mage or cleric, or special attack or defense moves for the fighter class: All things which cost mana (or equivalent).
Damage and armor types should pair up on some sort of table. ie, Light armor has best defence against piercing damage (pointy fast projected impacts). Normal armor has best defence against normal damage (blunt heavy impacts). Heavy armor has best defence against slash damage (sharp cutting impacts).
I don't understand the logic behind this. Heavier armor would provide better defense against all types of attacks. My take is that the more armor you have the less damage you take from any attack.
The logic is that armors are paired against weapon attack types for maximum effectiveness. So that you can change your weapon attack method (or weapon) and armored gear to suit your combat situation. But it is still true that the more armor, the better defense you have.
Without biasing like this, there is no logic to having different classes of weapon and different classes of armor.
iirc, in dungeon master, there was two special armor/weapon classes: lyte and darc.
Both were associated with very powerful creeps. Lyte armor was effective protection against lyte attacks, but lyte armor was relatively ineffective against darc attacks, and vice versa.
So if you were in lyte gear and came up against a creep which made darc attacks, you'd have to change your armor if you wanted maximum protection.
Like in real life, some armors are better in some situations. Other armors are better in other situations. Chain mail will protect you from the blade of a sword, but an arrow will split the chain open and penetrate. Leather will generally be better at absorbing an arrow than chain mail, but can be cut through easily by a sharp slashing blade.
effectiveness of armor:
chain mail poor good
leather good poor
this would relates to this part of the table
Slash 70% 70%
Pierce 100% 50%