In further explanation:
There are coded stats that your character comes with. Strength is one - but endurance is another. Even if you could wear it - it might be so heavy, that every step you take costs you stamina points. You could end up exhausted and needing to rest, just by moving 3 rooms away. And that's even if you drop your pack and waterskin and food and cloak.
Some folks who want heavy armor might pick and choose only specific items. Typically head and neck, with torso a close third. That way they have a chance of making actual use of it, without sacrificing much-needed movement points. But again, that's only if your coded strength can bear the item in the first place.
While some characters want as thick, heavy, and cumbersome as possible, others like being as unburdened as possible. There was a city-elf Kuraci Fist member once, if I remember right, who typically just wore a loincloth.
Most people want something inbetween the two
