Clint Smith (wish I had bookmarked the video) said body armor is great, but it requires your enemy to have good aim 
The main role I have envisioned for body armor (Iām still deciding what to get) is as part of the home defense plan. IF there is enough warning, we retreat and barricade in place while waiting for the police (assuming they arenāt defunded). There is a clear funnel you must traverse to get to us, and if rounds are incoming the body armor can make sure you survive long enough for EMT to arrive. It is one of the last things Iād don if there was time. 1st is likely pistol (as I 99.9% of the time have it at hand), next would be rifle, then ear pro, then body armor.
I live in an area where (unless riots/purge) ambulance is at most minutes away. So if I can stop an immediately lethal hit I can likely survive almost anything else.
The other role would be if S has REALLY Hit The Fan. Gubment tyranny, the purge, invasion by foreign countries/planets, etc, etc. Basically you are fighting against other armed and likely trained folks.
