As I said in the other thread, armour is like AD&D THAC0 system. You hit or you don't hit. Where here replace the word "hit" with "deal damage".
When you start to lose speed, that is when you start sinking. Adding bulkhead allows you to stay afloat for longer. Does not affect amount of damage taken. I once put something like 200 bulk in my Sirius and even at around one thousand DP, I was still rolling at full speed.
As a rule, if you cannot carry 6"+ of armour, it's generally not worth it. South Dakotas I know carry 5" of deck armour, however my 11" LHE shells pass through them like a knife through hot butter.
As a note if you are part of the Kriegsmarine, don't wear armour, pack on the longest range guns and run from everything. My O-Project has around twenty thousand spare displacement for armour, but I still don't bother as my speed is more important (it's funny to see a battlecruiser outrun a Brooklyn ehhehehe)
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