The reality though, which makes both you guys "wrong", is that no skill is needed to wear armor.
As long as you button up correctly and don't put an arm where the leg should be, you're set.
I would say that the only factor which could be considered experience with armor, is getting used to it.
The first time I wore a hand-made, true-to-history, chain-mail jacket, I didn't need ANY time at all to get used.
So, basically what I'm saying is they should completely remove certain skills from LBD systems and put the bonuses directly ON the object (in this case, the armor).