Indeed, welcome and I hope you're enjoying the forum.
While I generally feel the armor dynamic is more or less "ok" as is, I certainly wouldn't say you can't use house rules so that it feels more "ok" to you. But some things, from my perspective, that you might want to weigh regarding those ideas given upthread:
1) DR > AR, damage is converted to stun: Note that this is a meaningless rule on most NPCs. Unless they're a major character, NPCS don't have separate Physical/Stun condition monitors.
2) DR > AR, damage doesn't stage up: remember that with the granularity the way it is with weapon DVs, a large amount of the the pain has to come from net hits. And damage that does accrue goes away fairly easily, at least compared to the 5e rules. So this rule would have real a "Hero Mode" impact via 2nd order effects.
Again, not that there's anything wrong with these as house rules... just pointing out what may have gone unforseen implementing them.