It all has to do with how active you are as a member. People with that many points are very active on the site, play a lot of games which they rate and review, and take part in discussions in the forums and on profiles. The only way to get Armor Points is by interacting with the site. So the more you use the sites interactive features, the more points you will get.
You can get a nice breakdown of how you can get Armor Points HERE.
If you have any further thoughts or ideas for Armor Points, please direct them to this thread. Thanks.