Keep in mind that the internet magnifies the voice of the minorities.
That doesn't happen in most editions...
In CT, it is possible to be unable to hit without insane skill levels - the highest legit level of skill I've seen was 7... but that was a merchant with Trader via advanced gen. (Yeah, 3 weeks prediction). But if you can get the hit... CT armor is reduced to hit.
MT, a sufficiently good roll will get damage through.
T4, damage dice stopped by armor still do 1 point of damage per die.
T20: armor doesn't reduce the stamina damage, only the HP damage.
GT: Crits can get most weapons damage up enough to get through the DR.
TNE, MGT1, and MGT2, it's plausible.
HT, it's dependent upon a number of factors.
I don't grasp the T5 damage/armor mechanics.