Chris Priestly wrote...
And next would be the toggle for armor, right? You want the bonus for wearing it (if there is one), but you don't want to have to look at it?
That'll be up to the Dev team, but I hope that if you choose to wear a piece of head gear, you wear a piece of head gear. If you don't want to, then you assume the risks for doing so.

Many people carry this line. but it doesnt make too much sense.
You think knights and other types of warriors in the midevil era always had their armor and headgear on?
Before a battle, yes. But they are not going to go trecking for miles with 10 pounds of hot metal encasing your head.
The toggle option should not work for combat. When in combat, all your armor should show.
but if you have the healm toggled off, it wont show unless you are in combat.
PS:
If you are ambushed by a rogue or something, then the armor you had toggled off would not trigger and you would not benifit form those stats.