Sometimes having armoured skirts isn’t what you’re looking for, perhaps adding a feature in the Frame Editing section of the MASS customisation menu that allows you to switch between an armoured skirt and a more standard waist component, with a new set of parts for the Upper Leg that would perhaps be longer to cover up the sections of the frame on the upper leg that would otherwise be exposed.
You could probably split the armour pieces for the waist into 4 separate pieces (3 Technically due to Left/Right Mirroring), that being Front, Back, and the Left/Right sides.
Hopefully this is possible, and hopefully you’ll take it up.
If needs be I could mock up a quick 3D example if some visual reference for what i’m suggesting is needed.
Suggested already in post #576 [Improved frame design (see attached diagram)]
Merging posts.