No Paladin in his right mind would ever wear armour without a tunic or something under it for reasons i'm sure you can all imagine

Eg.
Erill just comes out of a fight and is sweating...
emote removes his armour to tend to his wounds and notices his tunic sticking to his skin.
Not the best example but the only one i can think of right now. Just a thought, let me know what you think.