for the golem, it's not for the fight, but the control and other options that require at least 3 magic points
and for the armor, the problem is it's not possible to wound the opponent before breaking it.
i tried to fight a harpy, and used what you recomanded ( armor crush ) and destroyed the armor, but after, even without armor, this attack didn't dealt any damage.
the problem is high attack destroy the upper armor, but can't deal damages until the lower armor is destroyed.
the opposite is true, obviously.
and middle attacks don't destroy armors, nor deal any damage as long as any piece of armor is still wore
this made 3/4 of the attack skill useless
my favorite attack is uppercut, and it deals no damage from now.
you should make some attack to deal damage, whatever the armor level is, fit heavy payback after.
in the previous version, i found the fights too easy. now i find them laborious
edit: in fact, i found the real problem: foes don't care about the character's armor, and inflict direct wounds