Not really, It does say in certain NPC weapons and armor, that VERY FEW PEOPLE OTHER THAN SO AND SO CAN USE THIS WEAPON/WEAR THIS ARMOR.
There are some NPC items that no one but them can use, and there are some items that if you are lucky enough to have a player character similiar to them, they can use or wear it.
The armor in my first game my monk could wear it, while the armor in the 2nd game i played only my barbarian can wear it. Probably you have to have stats similiar to the NPC in certain areas, etc.
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