The point of ablative armor is that it exists in the Trek universe, and therefore should be available in the game. Yes, from a rules perspective it's a bit silly, but one could make a related argument for the whole idea of ablative armor vs. thicker hull plating in the first place. It's Treknology; when all else fails, smile and nod.
It is by caffeine alone I set my mind in motion. It is by the juice of java that thoughts acquire speed, the hands acquire shaking, the shaking becomes a warning. It is by caffeine alone I set my mind in motion.
--Mentat Coffee Mantra