Does the recovery time penalty on armor affect everything (including spells), or just weapon attacks? I've been going off of the assumption that it affects all combat actions, thus have not been using any armor at all on my three back row characters, other than Aloth's default due to the bonus.
They usually don't get hit, but if any of them do end up with something on them, they typically die in a single hit. Is it ever worth using armor on ranged characters? I get tired of being one-shot, but it's infrequent enough that I'm not sure having a 15% - 20% recovery penalty at all times is worth it just for a "maybe". The AI seems to love to target Aloth in particular, as though he's programmed as the highest priority target by any teleporting enemy, even when he hasn't cast anything yet, plus he needs to be rather close to use Fan of Flames (which is why I barely use it).