This is more a quirk of the Aurora armor model than anything. If the model was more sophisticated, you could only armor the bits that are important to fighting the ship, not the crew quarters.
(The belt is only part of a battleship armor scheme, and not the most important one by the end of that era. The actual phrase you're looking for is all-or-nothing armor. )
Yes and no. With spaceships you can get fire coming from basically any angle, possibly. Yes, some is more likely than others, but then we need to consider _where_ the crew quarters and other such low armor areas are physically located on the ship, as well as what's on either side and if that needs to be armored up heavily. And what happens if the crew quarters is penetrated, explosives can cause over-pressure so now you need to heavily armor the bulkheads and other such interior above what you might need to rather than having (relatively) even all or nothing armor around the outside of the ship.
Then we also need to consider, are the engines/exhaust such that they can't be armored, or armored as heavily? How can we protect them?
For the sake of a game. . . generally, not something to be modeled. Unless you're very masochistic.
What tradition? Traditionally, submariners hot-bunk, but nobody else does, except maybe on small boats.
So, I think I was mixing some (aside from submarines) thoughts in my head with 4-high bunk stacks vs hot-bunking. The former is common, even on larger ships (although the largest may not be quite so bad), while the later is either emergency or extremely small vessels/submarines.
Going back to the armor, unless something produces impenetrable bands (e. g. Honorverse), then armor probably needs to be all-or-nothing. Maybe concentrating somewhat forward instead of aft if you have a nimble vessel with forward oriented weaponry (say, spinal weapons). But now we need to take into account positioning of weapons, armor, impact of weapons fire (as well as type), ability to turn quickly (or not) of the vessel, etc.
As I said, generally not something in most games I'd be concerned with. It's fun to discuss and imagine though