Regarding "boiler plate" for armor in F4Fs, they also had SS tanks that polluted the gasoline and sometimes stopped up fuel lines and the pilot's survival kit sometimes included meat cleavers and kitchen knives from the ship's galley. In spite of that, based on what I have read online here and based on "The First Team" the F4Fs coped much better with the IJN's fighters than did the other allied fighters in the 1942 time frame.
It helped that they wadded in after the first full round of fighting (some of the feedback did filter to them), and that their engagement level in 42 was limited. Most importantly though, thx mainly to their squadron leaders (like Thach) who emphasised gunnery, they were a well trained bunch.