Having your female characters armoured significantly differently from your male characters is, in fact, an accuracy booboo (provided they’re playing roughly the same combat role).  If a society’s method of warfare is heavy armour and big slow tank sorta stuff, then you’re going to have a bad time if you’re wearing less (unless you’re in a Hoplites and  Peltasts situation).but like making all your dudes Hoplites and all your ladies Peltasts… is suspicious, to say the least.