I've started digging around and doing some playtesting and I've found an issue with Encumbrance. First, it seems obvious that in order to wear any kind of heavy armor, you WILL be encumbered. So the question becomes, what exactly does Encumbrance do?
"Any physical test" seems very broad. Encumbrance should slow you down, make it harder to dodge or do fancy acrobatic stuff or do athletic things. But does it make it harder to shoot? (Certainly, there are arguments both ways.)
I'm curious what people have seen in actual play here and how do you interpret the "any physical test" language?