Either pay the cost, and get some sort of enchanted item, or take toughness, or both.
If you don't want to spend the refresh then the following would apply.
For standard armor, if I were GM and you didn't want to take one of the above, then you might be forced to get a kevlar vest for human form, and maybe a service dog bib made, and have a teammate put it on you, if you should shapeshift to a werewolf or something.