So in roleplaying games that frequently involve combat, generally speaking the players want access to all of their fighting toys when it comes time to roll initiative. Deprive the fighter of his armor, or the barbarian of his mighty battle axe, and players get nervous and the combat gets skewed - since the challenge rating thing assumes your group is fully armed and equipped for their current level.
But I'm interested in breaking up that paradigm. A more subtle party may not be able to afford to carry around all of their arsenal at all times. Why would the fighter wake up in his home town, think to himself "maybe I'll run a few errands, hobnob down at the local watch garrison for a few hours, take lunch with the rest of the party, maybe catch a matinee show, and spend the evening at the Rusty Mug. I hear a new bard is in town." - and then immediately get into his full plate, grab his tower shield and his longsword, and march out the front door? Wouldn't he be more likely to put on some light leathers, tuck a dagger into his belt (you know, just in case), maybe put a few healing potions in his pocket, and stroll out into the sunshine?
I wonder if the IKRPG will be a game where DMs can easily throw combat situations at the party in times when they're not geared for combat? I'm not saying "oh snap now you have to take down a warjack in your pajamas." I'm saying "oh snap as you leave the duke's ball at 3am you get jumped by a few muggers." Nobody goes to the duke's ball in full plate, but I can see having a sabre at your side, some daggers, and perhaps a few potions tucked away.
Maybe this is a style/expectation thing rather than something specific to any particular set of rules. What are your thoughts, other roleplayers/DMs?