The city issues us Level IIA body armor. Buying my own Level IIIA. Don't go on duty without it on. Sunday the heat index was 112 here.
Don't wear it off duty. I'm not sure what you do in Houston that makes you think you need one. Unless I had a job like a diamond courier or maybe a clerk in a convience store or check cashing business in a high crime area, I probably wouldn't bother. You have to balance the inconvenience and discomfort with the threat. If you feel you need one, by all means get one. They are expensive and lose value rapidly once they are used. You might regret the $800 or so dollars laying in your dresser drawer or closet because you find it too uncomfortable to wear regularly. The $800 would buy you a good course at Thunder Ranch, Gunsite, etc. I think you'd fnd that more valuable then the body armor.
Jeff