I'm half tempted to try and find my Hackmaster rule book to see how they handle fairies, but that is boxed and stacked in some random storage box and it will be at least a month before I can pick through them. Still, I'm fairly sure the guys at Kenzer had the Tunnels & Trolls Fairy in mind when they added the class to Hackmaster.
The T&T 7e rules have nothing to say about fairies with the exception of the Attribute Modifiers. The T&T 5e rules mention that fairies can fly, but become too overburdened to fly if carrying over half heir weight capacity. Armor shouldn't be an issue in weighing them down, as they are 1/10th the height of humans and 1/1000th. So if we say that specially crafted fairy armor is about 1/10 the weight of human armor, it shouldn't hold them back much in the armor department. Still, a fairly forced to walk does so at a speed of 1/4 compared to the standard races... they just can't keep up with their extremely short legs.
Weapons are an issue. Coming in around 6" in height, a 3" blade would be a challenge to wield effectively. Again, customized weapons would be needed for the fairly to arm themselves. The damage from these weapons would be piss poor. Let's say 1d6-3 for the low end weapons and 1d6 or 1d6+1 for a two handed weapon.
Pricing of the above is the same as standard sized armor and weapons. Just because it's smaller doesn't make it easier to create, and the demand isn't there for most smiths to keep these items in stock.
There is no restriction on making a Warrior or Rogue fairy, but survival would be an issue in the early levels. In T&T 7.5e, the low STR and CON have an opportunity to increase fast, so the low initial starting attributes won't be much of a hinderance IF you can survive the first few gaming sessions. Certainly NOT a viable choice for any of the Tunnels & Trolls solos I can think of. Squish factor is too damn high ;)
I've always ruled that demi-human armor in TnT costs more, for a reason you stated: "...the demand isn't there for most smiths to keep these items in stock". My reasoning is, there are very few reasons to be "human", so I try to provide some when I can.
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