I'd wager 90% of PKers have a combat level that negates this concern.
Except for the fact that chainmaille is pretty bad against arrows & bolts, particularly when outfitted with a bodkin point. It was light, flexible, and protected against slashes as well as stabs; however, it basically turned a sword into a steel club, so a gambeson or aketon (basically, our padded leather armour top) was worn underneath. Also, properly made chainmaille doesn't really scratch the skin (I know this from personal experience), but given that it was always worn with at least something underneath, it's a bit of a non-issue.
Plate armour was much thicker, giving better defense against missiles as well as slash/cut/blunt trauma, but it was worn at the cost of mobility (penalty to dex?). An arming jacket (like a gambeson, but not intended to be worn without armour, as a gambeson might be) may have been worn under the plate armour for both comfort and as a mounting point for various pieces of the harness. Plate basically dominated the field until the advent of firearms; of course, point blank range from a properly drawn longbow could pierce plate.
Now, there has been research into multilayered textile armour, such as silk armour, as possibly providing better protection against arrows/projectiles. Perhaps, instead of reworking the existing chainmaille into something that just doesn't make sense, a new anti-arrow textile armour would be a good way to go? This could be a mid-to-high-end tailor item that protects against piercing but not slash/cut/blunt damage. Switching to this would allow a pk-er better protection as they rush an archer's position. Alternatively, if it's possible to modify the slots to permit two torso armours (one textile/padded, one metal, of course), one could wear both (again at a penalty to co-ordination/dex/whatever - believe me, your ability to move is substantially reduced when you have two or more layers of armour on).
This armour wouldn't, of course, protect against critical to hit, the analogue of an experienced archer finding a weak spot in the plate/whatever armour is worn.