You may not begin the game with a higher point tag, but if you upgrade your armor out of game (and we approve its new rating), you can exchange your old tag for a new one during check in, paying the cost difference in Twists. We understand the difficulty in crafting armor phys-reps, so we allow this exception to the “buy all items at character creation or in game” rule. Resilience is a character’s Armor, Protection, and Vitality added together.