More likely to happen would be the rebalancing of armor.
Presently we have the low-end, and the uber-high end (in a one piece body suit with matching helmet).
The uber-high end shouldn't have ever been released without some middle gradients, and I'm of the opinion it has no business being a one-piece-covers-all, although that may be up for debate.
Also, armor degredation needs a refactoring.
If you want armor that's more fine grained in terms of coverage sooner rather than later, I absolutely invite you to get some materials and describe a set (one thats not a 1 piece bodysuit), and submit it for conversion to armor. What's really needed is some more realistic clothing items on both the low and mid-end: Bulletproof vest, flack jacket, leather gloves, etc.
That way you could remove just your gloves, or just your jacket.
I envision we'll eventually replace Xo3 with something more realistic and fine grained in terms of coverage, yet compareable in terms of overall defense. In the mean time, the middle stuff is more important and takes priority, because it has a greater effect on a greater number of people.
As for having to strip someone to apply the patch... how do you see this changing anything? Either you give a command to change (someone else's) clothing coverage (!??!?!?!?!?!?!) or you give a command to strip it... which seams more realistic to you?
Would a 'rip' verb help, so you could tear the clothing off people regardless of what's covering it?
P.S. Your neck isn't the only place a patch can be applied.