Not quite;
These rules provide detailed options for drones and
can be used as an optional rules system for adding mod-
ifications to them. Players who do not want to use a sep-
arate system can use the rules provided in the Building
the Perfect Beast chapter (p. 150).
the emphasis seems to work both ways. you can use them, or you can elect not to use them. there is no suggestion that one takes precedence over any other.
However, you are correct re: armour:
A drone may bear the weight of Armor equal
to three times its Body without a decrease in ability
The steel lynx starts at armour 12 so can take up to 24 armour. though 19 armour is where the penalties start to kick in.
The bumblbee starts at armour 14, so can take up to 28 armour, but will take penalties from 17.
I was one pip of armour off on the rotodrone (the archetypal BOD3 drone), they're capped at 8, not 9. They still have the average resistance dice of 11 and ignore stun, so that's not
too bad, especially if you can gain some -ve modifiers from glare of underslung flashlights and fast movement