The target is big and therefore comparatively easier to hit in the game
The purpose of location attacks is to strike the Aion Kinah enemy where they are most vulnerable. If their head armor is weak, strike the head, if there boots are low quality, strike for the feet. Naturally, a head strike is more difficult than one to the body.
As was mentioned above, AC had a simplistic technique for this with a high, medium, or low strike though the actual locations hit were randomly determined. This is because shields in AC only provided protection to the front.
Ultimately, what this pieced armor technique tried to capture is the idea that striking vulnerable areas can lead to more damaging attacks if successful.
Rather than doing this through pieced armor, there is a simpler technique which may give more realistic results. Why not allow players to have a sliding scale to toggle between "to hit" and "to crit?"
The "to hit" concept represents a general swing at an opponent with the primary purpose being to just hit the enemy. This would be comparable to a torso shot. The target is big and therefore comparatively easier to hit.
On the opposite end of the spectrum, "to crit" represents attempts to land devastating strikes on the enemy such as a blow to the head.