I can't tell you how many times I've watched a movie and something off occurs and whomever I'm watching with and I exchange a look and one of says... "Must be just because it was in the script". This ties into the the Plot Armor thing nicely. You don't want to break immersion with cheap plot armor. It generates that sort of comment.
Though Comedy has an interesting sort of plot armor. Typically the 'no matter what we do, we can't kill you" sort of plot armor. But it is used to generate laughs. Such as all the things that Kevin in Home Alone 1&2 does to the two hapless buglers. They had "God Mode" on in gamer terms otherwise Kevin would have grown up to be a bit of a serial killer...
A great underrated comedy from 1993... Undercover Blues... Stanley Tucci has so many things happen to him... but they establish up front that this is over the top.
So, I'd say you can also leverage Plot Armor in different ways.
I thought I'd throw this out there since not everything is drama and emotional heartstrings pulling