we ended up doing some testing at duel server with rumaahinen just moments ago.
my crossbow char + sniper + steel
we tested different hit locations from different ranges [6k armor + same protection helmet + shoes & near top of line armor]
target: lvl 27, str 21, powerstrike 7, ironflesh 3, agi 15, ath 5, weapon master 5
results:
1) unarmored target needs 2 hits from sniper + steel to die
2) 6k body armor (mail with surcoat), short distance: 2-3 hits to torso, mid distance: 3-4 hits to torso, long distance no hits
3) 23k body armor (churburg cuirass), short distance: 4-5 hits to torso, mid distance: 5-6 hits to torso, no point in long distance test at this point.
4) 57 armor point helmet, target survives point blank range headshot [personal note: fine with me, if someone really takes top of the line one of most expensive helmets, im fine with them being able to survive one hit to head with massive damage but not going down.]
5) in test with hunting crossbow + steel: target in 23k body armor takes around 2-3% of damage with every hit, so killing with only crossbow becomes practicly impossible without headshots, even from point blank range, based on test headshot, target could take over 3-6 headshots without going down.
target suspects based on his own experience that he would take around 15 hits from some crap bow to go down with better armor and around 5-6 with 6k armor.
gear of tester costs [without _any_ other gear] min. 19 613 gold (just sniper + steel) and with mid tier melee weapon 24k [aka +-0 gold level, without multiplier aka in normal play]
(yes last week or so, i have 3 times seen 3x or higher, glorious autobalance and have went -1k gold balance while using 23-25k gear)
personally:
i still like playing my crossbow char, but yeah, these days it seems to be naked person shooter, instead of serious armor penetrator.
and i can get decent k/d from those naked peoples, if im defending in siege, elsewhere it seems to be mostly just anti cavalry (where i like it, always nice to see how those cav lancers come "hahaa im going to penetrate that crossbow char" just to get bolt in middle of their horses face at last moment, ending up rolling in middle of some pile of my teammates).
target's opinion:
as 2h spammer he now thinks crossbows as joke and does not see that there would be any danger to him from them anymore.
6k armor results were ones that really supprised me, after all we are talking about 20k weapon here.