[quote=@chukklehed]
Lack of resistance has less to do with how much the metal is touching itself and more to do with how conductive the metal is compared to the human body. In order for the electricity to completely ignore the human body when in contact with another conductor, it would have to be an insulator, which it most certainly is not.
[/quote]

Technically it is a conductor in parallel with a human body. And when resistance on the conductor is zero compared to the human body, it'll go through there instead of the human body.

The insulator part is there to ensure it goes through the conductor, and the metal isn't directly into touch with the human body neither... armors do have PADDING, which has AIR, an insulator.