Indeed, Solar planned to do that, but i don't see how that would go together with current high bypass chance, in case of those changes armor wouldn't actually provide protection only enhance vulnerability at a certain point depending on armor state.
I was thinking about the actual values, somehow i ended up with those numbers and the reason for them i think is because i support the choice and consequence principle, upon lowering a stat to a certain level it should leave you with a disadvantage, in this case lower bypass protection. Though i think the gap is too high at the moment as many builds just hardly benefits from luck, except the bypass chance. I wanted the values to mirror a state where the player character doesn't feel all too much punished for low luck, but at the same time make it worth while to increase it by few points gaining close to an immunity, whether in comparison with current 60% with 1 luck or 30% with 5 (in both cases just unreasonable).