[quote=@Regendorf]
[@LotusWarrior]Monk talent 
While not wearing armor, increase soak by 1 point per rank
[/quote]

AH, right right. So the answer is no. They cannot stack as the quilted quality can only be applied to armour, thus you need to where armour to have the effect, thus disabling the talent.

[@WittyWolf] You are free to jump in. My max cap is 5 (I think we are there now). Once I have 5 approved Char sheets, 'we move'.