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Personally I find it worth the stat loss, if you want to cut down the middle, you could always train someone to make masterwork KLR series arms which will each provide 10% dex & str, effectively preventing the dex loss while still wearing the best underarmor one can craft.
I do use high grade chainmail when I want to train low stat characters in defense though. I guess there might be some perfect theoretical envelope where a tank character might take marginally less damage with chain shirts than leather, but blocking is much better than being hit anyway, so you either want your tanks blocking or you just don't want tanks.
Safest is to have the skeleton shredder and put someone in it, the shredder will quickly damage all limbs, as soon all the limbs pop off, have a team of medics ready to get him out and quickly patch him up so he doesn't bleed out then install the limbs.
Another way is to have them swim in acid, it will take time and you need to go onshore a little to heal the vitals but not the limbs, then repeat the process of waiting for the limbs to drop and replace it all.
And the third way is to go into the fogland and have a guy put himself on a fogman pole, wait for the fogmen to show up to eat his limbs, then have a team jump in to save him, a high enough level character can save himself but it's risky.
In the first 2 examples you need to change dismemberment options to frequent rather than rare, frequent means a limb drops as soon as it reaches negative (-100 for humans, -125 for shek etc) and rare means the limb has to be hit at or below that negative value to be cut.
You'll have to look at your own characters and ask that question. CAN they deal with that stat loss? What's their Toughness? What's their Strength?
Leather Turtlenecks are awesome all-around. Best shirt ever...
But, what are you fighting? If you're fighting trash and don't have to worry about anything much stronger than a guard or a Beak Thing, you probably don't need to worry about Chainmail yet. If, however, you're moving into end-game mobs and named bosses, then you'll probably want some Tanks wearing it.