First and foremost I want to say this is not meant to offend, it is merely my attempt at constructive criticism.
Now "armor blob" is a term used amongst the monster maker circles. Actual monsters, mind you, not monster girls. It's used to refer to the most common mistake made by beginners in the art. One that I quite frequently made before I refined my craft.
Essentially it is when someone becomes over zealous or unable to decide what exactly to add to their monster. So they decide all of the above. More armor, more spikes, more blades, more claws, more teeth and tails and arms. In the end what the monster actually is becomes lost. It's concept becomes too difficult to envision and impossible to properly articulate in any meaningful way. What that monsters purpose is, be it an unstoppable monster, horrifying abomination, or noble beast, becomes functionally and narratively impossible. It becomes simply a blob of armor.
What you've done feels similar to this. You like a mamono and so you add it on to your chimerical waifu without a second thought. While the first two or three put into the mix may be interesting, especially if how you do it is creative and well thought out. However as you put on more and more the substance of your creation is lost.
From a design and narrative point of view it's a major problem and to the critical eye it's epitome of poorly done fanfiction.
Alright. I look foreward to seeing your finished product. If you want some advice, I'll tell you this. A characters actual character is more should be what comes first. That's why they use the word. And a persons character is often formed by the people around them.