That is the awesome skin that Bungue decided to swap for the craptastic plastic looking one in the final version of the game, and thus can't really be counted. Though I do agree, dirt on the MCs armour is a perfectly logical and probable occurence.
The bit about fake bumping is that it doesn't make it look dirty, it makes it look cluttered and/or too busy, thus taking away from details that actually matter because the baked stuff is just as bold as the actual details.
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