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Body armor all depends on how much you're willing to spend. You can get into a decent concealable vest, even up to IIIA, for less than $500.00 if you shop around. This'll stop just about any "street" round (other than 5.7x28, which is hardly a gangbanger's choice). On the opposite extreme of practicality, if you like, you can drop $6,000 on a Dragon Skin vest that'll stop just about anything short of .30-06 AP or a serious Heavy Rifle round (.338+). Balance your perceived threat level with your budget: are you likely to encounter bad guys with P-90s, 5.7's, or M4's? No? Then stick with something half-comfortable that you can stand to wear. Remember; even Dragon Skin or an Interceptor does no bloody good if you're not wearing it because it's too damned hot.
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