Full armor=smart.
Leather clothing=start playing poker with the engineers because I'm not taking you with me on the mission.
Tali's suit is light armor, so I didn't expect it to be heavy metal plates, so she gets a Armor Mission Pass.
Garrus and Grunt, fully armored (we needs helmet toggle and we needs it now!),
Legion, armored, but please fix the hole!
Miranda, armored (well, she is now! thanks to the appearance pack), but still needs a helmet.
Kasumi also has light armor, but unless that hood can deflect bullets, I'm counting her out.
And even if it can, it still leaves her face open to headshots, not smart.
I prefer the ME1 system, where you had casual clothes on the not-dangerous ship environment, but the moment you stepped out the door, you collected your assigned suit of armor and weapons on the way to the airlock.
I also miss the helmet toggle, with Garrus and Grunt having "proper" helmets, I could have turned that on when I wanted them to be fully armored.
I used to do that a lot in ME1, when we were in a non-dangerous cutscene, helmets off, battle situation or expecting trouble, helmets on.