You could have a 4x4 armor block hits to the inner bits until destroyed completely.
Or, by example: Murderbot has a 1x1 armor chunk at 6,6. It gets shot there, destroying it's 1x1 armor chunk. Then Murderbot gets shot at 6,6 again, and with its armor down, it takes internal damage.
Deathbot has a 4x4 chunk of armor at 3,3, 3,4, 4,3, and 4,4. It gets shot at 3,3 twice. The first shot does damage, the second does nothing. Or the second gets put in the armor chunk box of the player's choice.
Point is, damage to specific locations handles plenty of stuff that's normally done by abstract accuracy/damage rolls. It's ok to have the fluff/crunch convergence handled back end, or de facto, or however you want to put it, rather than MY ARMOR LEVEL IS THREE I HAVE THREE ARMORS.