Kurama being physically vulnerable in his Shuichi form actually has nothing to do with his physique because that body he's using is already demon in nature after he turned 10.
It's all about his youki. His youki, before he lost much of its strength and downgraded from the level of an A class, could be transformed into an armor. It's just like Sensui's which both of them recognized as true even if Sensui's was stronger.
So in the Dark Tournament, Kurama with a much weaker youki was basically fighting naked. His original fighting style with a spiritually conjured ki armor was risky because he relied on its defense to tank out the damage. He was willing to take hits just to plan his strategy but that (very old demon) habit came from when he had better defenses with a stronger demonic energy. His white clothing as youko only failed against Sensui because of their difference in power level with Sensui being S class. Kurama in the the Dark Tournament with his A class ki armor could probably take a hit from Toguro's 100% because Toguro was only Upper B class when Kurama used to be A class.
In post canon, however, it's safe to assume that Kurama surpassed A class already because his awakened youki (after witnessing Yusuke's death and revival) that made him able to shapeshift at will became stronger than before his peak in his previous life. His ki amor could have gotten stronger too. In conclusion, Kurama post canon is gonna be more unhinged and reckless in his suicide strategies. 😅











