Definitely some valid points, and I completely see your reasoning behind wanting to wear body armor. The thing is, we really can't prepare ourselves for everything. The chance of any of us being in a situation where we ever have to draw our weapon, is pretty slim. Wearing body armor could potentially save you one day from a bad guy, but that's if they somehow come in guns blazing. That's why a lot of us choose not to sit at the front of a restaurant, and instead opt for a table where we can sit and observe who comes in, just incase. If you're walking by yourself, and a bad guy manages to corner you, then your awareness was way off to begin with.
The fact is, we can't be prepared for anything, and we all have to draw that line when it starts becoming impractical. The weight, cost, and discomfort of wearing body armor doesn't seem practical to me, for day in, day out wear. It may stop a 9mm, but anything more powerful than that and you're adding a blunt trauma pad (more weight, discomfort). It's also not even guaranteed that it will stop a round coming through, and most of the time they're only good for that first shot. It won't do diddly-squat against AP rounds, or any rifle round of any kind, unless you add in ballistic plates (way more weight, discomfort, and cost).
So, if you decide to invest in all this for personal protection, and can handle the discomfort, then good on you. Who knows, a person thinking along your lines could have lived instead of died, during the Washington sniper shootings. Then again, you could always end up getting hit in the head. I just don't really see any practicality in it at all. Of course now I'll probably end up getting shot right in the chest by a survivable round, had I been armored up
