Well, I suppose if this was put into action, we could treat it like babies/children trying to dress themselves.
So, with 0 proficiency, you can not wear any armor at all, Rank 1 to 14 to wear robe (not padded), then
you have to get to rank 15 before wearing Padded robes, then rank 30 for leather / rank 45 for scale then
rank 60 for chain then rank 75 for plate.
Now, this means that any character could potentially wear any type armor based on their ranks.
Then we may as well do the same to all weapons & charms, but since people have those rankings, they start from scratch... Rank 0
As stated before... no to this idea