Steelcan wrote...
Player characters are not necessarily armored. Call of Duty has a habit of killing player characters with regularity.
That said, they are for the most part, exempt.
With that stipulation I'd say Liara has the most plot armor because she does survive several extremely hazardous situations. She cannot die until the very end of trilogy. She is important enough for it to be noticeable, unlike someone like Hackett.
Steelcan, you missed my post. It's not Liara. Liara can die. The keeper in the tunnel of death has. You can shoot it 100 times with your pistol at point blank range and it just keeps working. That is some armor. Saren killed one with one bullet in ME1. I wanted to be a bad as like Saren and kill one on my way to the final confrontation, but nooooo. I had wuss bullets in my pistol. Saren must have had boss bullets.
In ME2 Garrus had the best -- Come on -- getting shot up by a gunship and taking one in the head and surviving? That's one tough son of a *****. Then there's Grunt... The Rachni nest? Uh, no way in hell. That's plot armor "Shepard. You got anything to eat? I'm hungry." In ME3 Liara had some pretty good armor. They all did.
Jenkins in ME on the other hand was wearing "Plot Target". Always give the plot target the crappiest junk you want to get rid of.
Plot armor can be funny, too, like in Oblivion when an essential character falls into a lava pit and continues to take damage. Oh well, scratch that plot line.