Dress and Helmet Clause
Being members of a high class trading dynasty means that one needs to know when to dress appropriately. Wearing full battle armour into a black tie gala will most likely get you removed from the premises or treated as a possible threat with such consequences. Along the same logic, wearing a fine suit into a battlefield hosts its own barrage of inefficiencies, like its strength against bullets. So as such, one must be aware of the situation they are attending by dressing accordingly.
Wearing the wrong equipment at the wrong time can apply a -20 penalty to all Fellowship based tests, as well as other possible penalties as they arise. One should remember that they not only have to worry about themselves, but also their entire party. Another one of the common things that one might forget is that some situations armour might be acceptable, but wearing a helmet can be considered quite insulting. So make sure you are aware of your situation, your attire, and your party’s attire.