<pre>Structure Level Armor Rating Equivalent Materials Building example Vehicle example Creature example
0 1d6 rope, drywall, plastic, flesh tent hang glider minifig
1 1d10 wood, sheet metal, steel cables, kevlar outhouse motorcycle troll
2 2d10 brick, log walls, wrought iron brick building pirate galleon dragon
3 3d10 concrete, mortared stone, armor plating castle armored tank stone giant
4 4d10 heavy steel, reinforced concrete, titanium nuclear bunker space warship steel golem
5 5d10 adamantite, force fields Illuminati pyramid Dungam mobile suit Olympian god</pre>
As this messed up table shows, 2d10 is the armour of brick, log walls, wrought iron, a brick building, a pirate galleon, and a dragon. Perhaps 1d10 would be more suited for this. 1d10 armour would also reduce the cost of the Jeep by 4CP.
Often, literally, a pillow fight but may include similar situations like volleyball, particularly when wardrobe is skimpy and the action is bouncy.