Even on an average street sammy, you aren't going to be wearing all of those layers of armor, or you won't be able to move. Even less armor if yer rockin' an elf sammy. If you're going full troll or ghoul, sure, you can load up on the armor, but you aren't gonna wanna wander through town looking like that. Some armored clothes added to your dermal plating or orthoskin, and maybe an armored vest, jacket, or lined coat depending on the type of club your hitting, and you're good. Heck, that set-up can even carry you through some runs if you're quick about ducking.
As far as defense goes, the best defense is always a great offense. Corpsec ain't shootin' at you if'n they're on the ground twitchin' from a series of stick n' shocks.