Along the lines of what I was saying previously in this thread, I think there's a point where any sort of preparedness becomes paranoia. For examples, do you wear a Nomex suit, fire retardant gloves, and a helmet any time you drive your car? These are rather standard pieces of equipment for professional race car drivers, and it's certainly true that some people have died from fire/head trauma related injuries in everyday auto accidents. But, I think the issue is much the same here: wearing a seatbelt and driving carefully are normal levels of preparedness, whereas strapping on a fire resistant suit and a helmet before taking the ol' Volvo over to the grocery store is normally considered a bit over the top.
Regardless of what any of you decide to do on this issue, remember that body armor only protects a limited portion of your body. Your head, neck, groin, lower abdominal area, armpits, legs, and arms are all exposed. Hits to any of these areas can be fatal, and hits to some of those areas are likely fatal. It's best to avoid the fight, and if you find yourself in a fight, it's best to avoid being shot.