What Model is this?

or - I've got non-"standard" figures, and I'm not afraid to use them.

Pick a model that is the same scale that everyone is going to use for their wargaming. Have a look at it and note downwhat it looks like. For the purposes of these rules, you'll need to classify various parts of the figure. Note that these rules are primarily designed for humanoids, non-humanoids are covered at the end.

Armour Coverage

Depending on what type of weapon(s) the figure uses, you'll need to determine if the armour it wears is useful, and if it is, how much.
Weapons Used Very Important Areas Important Areas Unimportant Areas
Small Handweapon, 
Long Handweapon		 Head, Torso, Weapon Arm Non-Weapon Arm, Legs Feet
Two Handed Handweapon Arms, Head, Torso, Legs Feet
Handweapon + Shield Head, Weapon Arm Torso, Legs Shield Arm, Feet
Spear Arms, Torso, Legs Head, Feet
Spear + Shield Torso Legs, Weapon Arm, Head Shield Arm
No Weapon Arms, Head, Torso, Legs, Feet
 
Armoured Areas Armour Coverage Rating Shield Type Armour Coverage Rating
All VIA, All IA
1
 Kite Shield
+0
All VIA, some IA
2
 Tower Shield
+0
All VIA, no IA
3
 Large Shield
+1
Some VIA, All IA
3
 Medium Shield
+2
Some VIA, some IA
4
 Buckler
+3*
Some VIA, no IA
5
 Long Handweapon (secondary weapon)
+2*
No VIA, All IA
6
 Small Handweapon (secondary weapon)
+3*
No VIA, some IA
7
 Two Handed Handweapon
+2*
No VIA, no IA
8
 Spear (used in both hands)
+1*
* does not count against missile attacks

Add it up. It gives a range between 1 (the best) and 11 (the worst). Most warriors should be in the 5-6 area.
The chances of hitting a non-armoured area are based on the Armour Coverage Rating (ACR).
If a model on has an area partially covered, count it as a 'some' area rather than 'all'.