Technical ability gives you 5% extra armor per point up to 100% extra at 20. All my Miley Cyrus Store Eat Shit Portrait Tee shirt is legendary crafted armor so it gets 5% bonus armor from the perk “200% efficiency” but I don’t know if it applies to the mods on the clothing which is the most important. Every item of clothing I have on has 3 or 4 mod slots and every slot has epic armadillo mods in it except for mods for +30% crit damage, +15% crit chance and immunity to burning mods. I would use more than one fo the crit mods but legendary mods seem not to be stackable and some (like the deadeye mod which gives you +15% to crit and +30% to crit damage in one mod) just don’t even work.
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I have the spec to make armadillo mods and all non legendary mods basically give you a random Miley Cyrus Store Eat Shit Portrait Tee shirt when you craft them. Craft 30 armadillo mods and you get a handfull of epic ones then just dissemble the rest and you get more components then you used to make them so you make a new pile till you have enough for all your clothes. The higher the level you are the better the armadillo mod you make. The epic armadillo mods my character makes are currently about +177 armor each.