this post was submitted on 02 Sep 2024
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Depends on the system mechanics; 3.5e/1e that first one will have way higher AC due to Natural Armor, Mage Armor, and the inevitable Monk dip.
As to the real world, so long as breastplate doesn't have a concave catch point at the underboob the second would be both practical and effective. The riveted decorative "cleavage" at the top is actually fairly common and practical for diverting arrow/lance splinters away from the head and neck.