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To answer your question about Immersive Mode and armor there's no armor in Immersive Mode. All clothing is cosmetic. To access gloves and boots and shirts you need to navigate to the Change Appearance tab in the gear menu. Also, speaking about gear, in Immersive Mode/No Gear Score guns still have stats but they're not really important. Because any gun will kill an enemy if it's a head shot.
The whole idea with the gear score is to make the game feel more like a standard MMO Looter-Shooter like the games I described. Immersive Mode, or just turning off the gear score, makes the game feel more like a standard single-player tactical shooter. What I like best about turning off the gear score is enemies aren't bullet sponges. On the other hand, when I play with my son we turn it on because he likes the sense of progression it provides and he likes the idea of looting. Gear Score off is also cool because you can swoop into an area, complete the objective in full stealth and sneak out. You have little to no reason to loot every box in a given area since all the guns are basically the same.
These aren't game changing settings but I love that I can customize it to my hearts content on the fly and if I don't like something I can change it and change it back whenever I want.