Dont you get it, that hand armor is a luxury? First of all, it doesnt help you that much, so usually first you buy body armor, then head armor, then leg armor and at last but not least, of course, hand armor.
And remember, that hand armor's weight is multiplied by 3 (or 2, not sure) and head for 2 (or 3, not sure) when it comes to decrease wpfs. So no-body-armor guys with helmet and hand armor "to keep speed but not lose money" are just idiots. For price of head, hand and leg armor you can afford light body armor and a bit better head armor...