When wandering around the camp before the assault, you can meet "Newboy", a Crinfrid Reaver who has made a silly bet where he will not wear any armour during the assault. In his defense he says he found a magic item which should help protect him, but requests you have a look at it. If you agree but then persuade him that it might actually be cursed, he gives it to you (-10% armor) and decides to wear armor instead.