This one can be considered both a bug report and a suggestion.
1) When using Heavyweight, your armor penalty is added as Critical Damage Bonus, however i noticed that when using different 4 plate-reinforced tungsten metal armor with all the different vests, the displayed critical bonus is unchanged, as if there was a hidden cap to how much Armor Penalty one can attain
2) with this in hand, i don't see why the DISPLAYED armor penalty under the combat sheet window is locked at 95%, so i suggest for it to be uncapped and displayed fully