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Not to self plug, but this one's been pretty alright https://youtu.be/oVLQgbu0FNs

It doesn't tend to eat it for long, though. In the early game, if you get far ahead enough, you can tank the early enemy shots. Ballistic is easy to resist, but lasers tend to get through. By the end of phase 2, you should still be ok for ballistic, but energy can still get through. By 3, you can take grazing shots, but there's a lot more danger flying your way, and you usually wind up suppressed. By phase 4, many of the weapons can just pierce right through. Lasers have a really good chance of that, most ballistic will shred your overall armor, and things like blood cannons can just be considered to ignore armor, seeing as even if they survive the first hit, the tile damage tick can hit for 50+. The armor is just there to save your units from the chaos that is shredding apart the entire map. In phase 4 you can walk into a hallway, and suddenly have the entire room bleeding out just from scratch damage.

You could always throw in the Silent Storm system on top of a more basic system. All the benefits of a locational system without the technical fudgery. (There's an option in SA that turns on critical debuffs, which give all manner of different injuries, from busted limbs, to bleeding, blindness, unconsciousness, etc. You could have a unit in a mech suit suddenly get knocked out by a sniper shot getting through their armor. Felt really cool)

Simplest answer I've seen would be the New Vegas system. Every armor has a value. The weapon either goes through or doesn't. If it doesn't, the damage is piddly. If it does, it's full. Armor deteriorates with every shot. Super amazingly perfect? No. Better than XDivision? No. Conveys the feeling or armor without layers of systems that all need calibrating? Yes. They got around the energy weapons difference by just having them get a crit modifier on their ammo depending on type, which basically have them random armor piercing. Felt pretty good.