the cloak covers most of the body, usually down to a foot above the ground. it's stiff enough and built to sort of spread out as it gets lower at a constant rate, and underneath the cloak is the person. they do have holes that they can poke their arms out of, so being able to use your arms isn't an issue. (i know you can't see them, but they're there trust me.)
the only negative could be that it's hard to hold weapons, but that's fine because you don't have to. in this world you use crystals. crystals summon either light or dark magic out of them depending on the type. but usually it's light magic. they are both essentially the same thing so it shouldn't matter. so they can summon light magic out of a crystal, which is usually an object or liquid that's white in color. they can then used this as a floating knife or a sword or a shield, or even just a third hand if they're good enough. the more complicated the harder.
this is relevant because each cloak has a big light crystal on them that they can use for many purposes. most people can afford these cloaks, and it's pretty standard to the point that if you didn't have a cloak, it'd be like not wearing shoes in our world. like being homeless. having these cloaks is like having free body armor. using crystals to protect yourself is pretty standard for humans. this is a god-made world after all, so of course they'd make it "evolutionarily" instinctual. so when they see something coming they'll use the crystal on their cloak cover them in light magic. or if they're better at it, then they'll make a full on shield in the specific direction to provide specific protection.
all of this being said, i want to know about the covering. how good would that be if a thin one-inch sheet of light covering the entire cloak was about the strength of scale armor that the romans used?
specifically asking for thing like, explosive shots of light or dark magic, giant swords, spears or arrows, all made out of magic. this is the standard civillian, not the protagonist/royal/knight armor. just letting you know. i just need to know how the average human survives things.
if i'm missing any sort of data, i'll gladly figure it out and add it. i haven't been here for a while, so be soft on me if i'm doing anything major incorrectly.