... (one would assume that my silk gown would incinerate *better* than metallo-ceramic composite armor plates, but apparently that's just not true... :P).
Your silk gown has +100 stylepoints worth of extra protection.
It's similar to the +100 sexypoints of protection on a chain main bikini. It's a secret discovered by the entertainment industry: Style offers more protection than practicality.
Had medieval armorers realized this fact, history would have gone in a vastly different direction.