For humanoid characters there are: two finger, two neck, symbol, body, head, legs, feet, hands, arms, body, waist, two wrist, two hands. I am not sure for griffons and centaurs.
I don't think that there is anything that can tell you how well a particular area is defended outside of identifying the material and quality of each item. Though I could be wrong on this. Then, you have to take into account other things, like the damage on each piece (I believe), and some spells like magical vestment may play into things. Though someone with more experience on this may come and blow me out of the water.
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