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There was some armor you could use to protect your crotch, like wearing chain mail underpants over your pants, but it was extremely common to just leave that area unprotected for mobility and comfort. [The Barbarian's Bride]

A comparison image with an anime knight on the left and a historical suit of armor on the right with text about horse riding and armor functionality.
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What This Meme Is

This comparison meme highlights the irony of fantasy armor design versus historical reality by contrasting anime character designs with real plate armor.

TL;DR

When you try to apply anime logic to actual historical steel plate armor designs.