Nicholas would need to give any official ruling - however, my input would be -
* Self-adjusting armor - I would say that it does not. Just makes it way too powerful. The armor form is not it's natural form, so why would it change just because it was put on someone?
* Casting Penalty - since the penalty is a combination of material type and how it impacts mana access/flow - I would retain the Plate penalty of 10 PP. Dragons don't get that penalty because they are actually one with the armor itself - but simply wearing it does not make it part of you.
* Maneuver Penalty - lack of associated maneuver penalties assumes that the armor is custom fit to the character, therefore using HARP rules as a basis and considering the risk/benefit for this armor - I would use UF MaxMP = -250, UF MinMP = -50, with MxMP = 0, Min MP =0. Therefore, in order to get the full Man Penalty benefit, the armor really needs to be customized - at a high cost, and a risk of failure.
If Armor by the piece rules are used -
* Casting Penalties = Same as plate
* UF Man Penalties = Plate*1.25 (Ex: Plate Boots = 20 (UF Max MP); Dragonskin Boots = 25 (UF Max MP))