For Spider-Man's case, he is a kid who just made his suit through a sewing machine. The only reason he had armor in the MCU was because of Tony Stark.
Like I said, I'm only talking about the old movies, like the original Batman movies, the dark knight trilogy, the Tobey Maguire movies, The Andrew Garfield movies, the original Superman including returns, actually you know what let's just include the DCEU, and the new Batman movie, but leave out the MCU, because Peter didn't actually create his suits, the reason the DCEU is included is because, Superman and Batman are reversed, what I mean is, Batman is wearing cloth or spandex there, and Superman is the one with armor, and that is kind of funny, because Superman doesn't need armor, Batman does, and I'm including the games like the Arkham trilogy, Superman returns, and the Spider-man games, because they also do this, and the cartoons, because, It's weird that Batman looks like he is wearing cloth there, and the reason I excluded the comics is because I never read the comics growing up, all my superhero knowledge comes from movies tv and video games, and if I'm confused about something, like a character, then I will look it up on the internet, I want to try to get into the comics, but by the time I realized there were comics, the number of comics got intimidating. edit: I just remembered that Batman did were armor in BVS, during his fight with Superman.