Also do you separate tabards from armor or the banner-man have just tabarded version of gambeson?
The Tabards are put on top of the normal armors. This will be a unique feature for the AI human factions for now. Implementing another Inventory slot for the player means a bunch of UI work which we cant deal with at the moment. Same goes for the Noble House banners. They add unique combat mechanics for the noble houses just like the goblin overseer or the undeads necromancer add mechanics to their according factions.
Knights Helmets and shields will be lootable though.
