Skeletal mesh armor mechanics

Hello.
What i wish to achieve: in attached example, skeletal mesh divided by three main areas.
GREEN - Armor type 1, RED - Armor type 2, REST - unarmored.
So each area type have different resistance to damage. What is a best approach to do that?

Physics collision has simple primitives which cover whole part of body (for example - chest) but i need only partial coverage (imagine its a lite plate carrier with only front and back panels and open sides)
I thought about Phys materials but building armor mechanics around feature with limited surface types, well not sure its good idea.

So i am lack of ideas and will be grateful for any advises.