Having met huge Samoans who are convinced that 70 degree weather necessitates thick jackets, I'll say it's pretty reasonable.
As you noted, certain clothing layers can do a lot to alter the terminal effects, so considering that 12" penetration on bare gel is a benchmark, with the reduced performance since that's the most ideal condition, 12" would be absolutely a minimum, as DocGKR states.
"Know your target and what lies beyond" is a better option than an inferiour loading.
Last edited by TehLlama; 02-03-11 at 00:02.
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