That's a very valid point. The lower picture is how they'd have been in a battlefield setting such as a siege while the upper version was the everyday attire as well as what was usually worn in duels against fellow samurai.
This argument has always irritated me as Samurai was INTENDED to be a tank in FF11 and Ninja was INTENDED to be a Dps, The fact that they were role swapped was entirely due to players using the poor design of both classes in a more effective way that just happened to result in the Role Swap.
