IMHO it could look like this:
- the clothes have special stats for example: some pants let you sprint faster, other have special armor etc.
- on top of the clothes or beneath them you can wear armored vest that will act as the main armor, there could be many types of them and could be upgradable, however it should weight a lot and make you move slower because of the said weight
This way the balance could be better for the super fast build ninja and armored tank berserk characters.
- the clothes have special stats for example: some pants let you sprint faster, other have special armor etc.
- on top of the clothes or beneath them you can wear armored vest that will act as the main armor, there could be many types of them and could be upgradable, however it should weight a lot and make you move slower because of the said weight
This way the balance could be better for the super fast build ninja and armored tank berserk characters.