'Ey, thanks for the compliments. (Blanket statement)
The guy's armor can--and probably will--end at the waist, but having it end under the belt is just a cheap. Like I said, I need to work that out. As for the girl's mask, I figure the black cross is made of silk, or some other thin fabric that you can see through when its up close.
Cool image -- I love the way you brought in two different colors for all the objects to shade them -- it makes it look very cool! I also really, really like his pants. I suppose that the armor could just end at his chest, and the rest of it could be shirt... am now going to obsess over the cultish ninja lady and how she sees through her mask.