Getting shot at is more than a little more likely than having a nuclear weapon dropped on your head. And carrying a vest is more than a little more practical.If were going to use the .0000000001% event as a scapegoat, you should also drive around with a nuclear bomb shelter.
Getting stabbed is just as likely as being shot, but most ballistic vest dont offer protection against blades.Getting shot at is more than a little more likely than having a nuclear weapon dropped on your head. And carrying a vest is more than a little more practical.
That is like saying there’s no use in getting your Hep B vaccine because it doesn’t protect you from Hep C or HIV.Getting stabbed is just as likely as being shot, but most ballistic vest dont offer protection against blades.
Well for one thing the OP said this was for personal use, not for use at work.The point is I dont think shunning professionalism is a valid excuse when the same level of protection is offered in both outerwear and concealable.
For another, I wouldn’t agree that there’s anything unprofessional about pulling on a vest when the situation warrants. I might even argue that it’s unprofessional not to, whether your employer provides it or not.
The first question you need to address is what level of protection you need. Are the shootings in your area mostly with handgun caliber or are rifles in the mix? People around here love Draco AK pistols which is a difficult round to stop without plate armor. Green tip 5.56 is readily available in bulk and may be an issue in certain areas.
Realistically IIIA soft armor, preferably concealable, is a good investment for reasonable protection.
SafeLife FRAS looks interesting but I can't find enough about it
Aside from that you are looking at either expensive special threat III+ or bulky heavy IV plates and external carriers. Hesco special threat plates are thin enough to conceal under clothing with certain slick carriers.