I can see why someone would have armor handy, & not trying to knock it if you do. Maybe I'm stupid , but if someone were wearing armor & I wanted to hurt them I'd shoot for the legs, pelvis or neck. All easy shots with a rifle. Wouldn't you agree?
Extremities are very survivable, the neck is hard to hit, and the pelvis is a small target that's not always reliable. Armor protects the largest parts of you, that move the least, that are the most dangerous.
It's like wearing a motorcycle helmet.
