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The Gear Tab will still show a maximum amount of 200% but the Armor Rating for the Gear can be up to 500% and it will work. If you got a mod which adds items with more than 200% you can inspect these items and it should tell you the right amount up to 500%.
The same it does with values under or equal to 200%. The Armour penetration gets subtracted from the Armour Value. This number will then be compared to a random number between 0 and 100. So for an Example:
If your Armor has an Armor Value of 250% and the enemy is using an normal charge Lance with 45% Armor penetration then your effective Armour Value will be 205%. This number than gets compared to a random number from 0 to 100. Even when it rolls a 100 you won't get damaged because 100 is less than half of 205. Of course the hit has to be on a body part which is protected by this amount. If you don't use any mods the highest armor value you can achieve is if I remember right about 190%.
If it works for you and you don't need this than thats fine. For me NoArmorPointCap doesn't work with 1.2 which was the reason I created this mod. If you look at the comments there it seems that other people had the same problem as me.