Before I went to seminary and entered the ministry.... I was a convenience store owner in the inner city. During that time, both I and my wife wore body armor. Hey, it was during the initial Crack Invasion of the late 80's. That said, no one is getting up in the middle of the night, in the middle of a home invasion... and putting on body armor.
That said.... if you are preparing for the Zombie Apocalypse, Body armormakes good sense. In my honest opinion, if you feel the need to put on body armor to go to Walmart at 6:30 pm.... either move to a safer area.... or think seriously about therapy. It's way to easy to become paranoid.
ALL that said... If you are confronted with a firearm, it will probably be a pistol caliber, and the perp is going to more afraid than you are. (in my personal experience). So, for me... body armor is not a reality, EXCEPT that I'm a Zombie Apocalypse Prepper. Go figger.... don't ever ask me what's under my shirt....
Oh... and don't ask if I own body armor... I would never tell....
NOW.... as I re read the original post..... a plate in my backpack? That I could go with, since I'm usually carrying a pack.
Da