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It also doesn't go beyond -20%, IIRC, and even with that, your fighters should hit most of the time anyway.
There's a full list of every armor in the game here[spiderwebforums.ipbhost.com]
Mage spells do not fail due to encumbrance. You either cast successfully, or not able to at all.
Most of them do. The hit penalty for body armor is worth it. For those offer a tiny more protection, like greasers, it is not.
In this game, you characters will have less than 95% (cap) hitting chance against bosses until the final third or quarter of the game.
Each point of Strength (for melee), Dexterity (for ranged), or Intelligence (for spells) gives you +5% chance to hit (any attack can miss). The spell failure cutoff is on top of that, although where it is depends on whether you've picked up the Swordmage trait.
You are wrong. Swordmage does not affect your spell in any way if you can cast at all. Each level of swordmage allow additional 10% encumbrance still be able to cast mage spells.