Armor

Chinese armor has high physical defense but low magical defense.

Protector

Chinese protector has average physical and magical defense thus it can had over all kinds of monsters. It is lighter than armor so faster than it and needs low MP consumption. It can be worn with armor but not garment.
(In the case of protector set, moving speed +10% / MP consumption -10%)

Garment

Chinese garment has high magical defense but low physical defense. Thus when many monsters attack you, you can be in trouble but it is light so moving speed is fast and is needed low MP consumption. It can not be worn with armor and protector.
(In the case of garment set, moving speed +20% / MP consumption -20%)