And for those of you unfamiliar with system games and confused by all the stat talk...
"Pay no attention to the man behind the curtain!"
For those confused or whatnot... all that talk just basically said.. you will suffer 1 stun for anything you do no matter if you are in a car or not. Its more or less like you get bruised.
Cars have armor just like people do in shadowrun.
If you have on armor while in a car it will help you should you get in an accident.
Armor has two ratings ballistic (ie punches, falls, anything blunt or such) and lethal (gunshots, arrows, etc). So having armor of any kind on you at all times while being a runner is a good idea.
Also.. Armor can look cool. It can just look like wicked leather jackets if you want. :) Not necessarily some big bulky thing.
And the tough attribute helps you soak damage on top of the armor you have. ((at least if I read that right, thats how it is))
At the end of the day its good to have some of at least one of those if not both. Just for survival reasons... else you might be target for squashing like a berry in a trolls fist. >.> *hides her sweet girls from the big bad trolls*