Gamerule for a better armor protection system

It would be cool if there was a gamerule that would allow a smarter armor system. For example, if an arrow hits you in the chest and you're wearing only leggings, you would get no protection from that. Or, if your chestplate has projectile protection, it would only give the protection bonus if the projectile hits the chestplate. Small enemies such as baby zombies or baby hoglins would only be able to hit boots and leggings. Also making only those pieces take damage when struck. Additionally it could be included in this gamerule or a separate one, where the smarter armor would apply to mobs as well. Armor would also only protect you for each piece that was submerged in lava. Only boots would protect from magma blocks. And other stuff like that.