diff --git a/ui/hud_overlay.py b/ui/hud_overlay.py
index c0386be..ea24674 100644
--- a/ui/hud_overlay.py
+++ b/ui/hud_overlay.py
@@ -894,12 +894,8 @@ class HUDOverlay(QWidget):
         self.session_active = True
 
         # Initialize armor decay tracker
-        try:
-            from core.armor_decay import ArmorDecayTracker
-            self._armor_tracker = ArmorDecayTracker(armor if armor != "None" else "Ghost")
-            self._armor_tracker.start_session()
-        except ImportError:
-            self._armor_tracker = None
+        # With simplified loadouts, we use cost_per_hit directly instead of looking up armor
+        self._armor_tracker = None  # Disabled - using loadout's cost_per_hit directly
 
         self._timer.start(1000)
         self._refresh_display()
@@ -1057,10 +1053,15 @@ class HUDOverlay(QWidget):
 
         self._stats.damage_taken += damage
 
-        # Calculate armor decay using tracker
-        if self._armor_tracker and damage > 0:
-            armor_decay_ped = self._armor_tracker.record_damage_taken(damage)
-            self._stats.armor_cost_total += armor_decay_ped
+        # Calculate armor decay using tracker or loadout's cost_per_hit
+        if damage > 0:
+            if self._armor_tracker:
+                armor_decay_ped = self._armor_tracker.record_damage_taken(damage)
+                self._stats.armor_cost_total += armor_decay_ped
+            elif self._stats.cost_per_hit > 0:
+                # Use pre-calculated cost per hit from loadout
+                self._stats.armor_cost_total += self._stats.cost_per_hit
+                self._stats.hits_taken += 1
 
         self._stats.recalculate()
         self._refresh_display()