For a hint of grittiness…
When you need your armor on right now, Roll + DEX.
On a 10+, choose 1, on a 7-9 choose 2, on a 6-, mark XP and choose 3.
* No time for the outer layers; take -1 armor for now (may be chosen multiple times up to your armor value).
* You’re not quite strapped in; take -1 forward to DEX.
* No time to grab anything but your armor and one item (weapon, shield, torch…) before trouble arrives.