Although I don't wear it regularly, I do wear my Second Chance Monarch II to the airport, downtown Los Angeles, gun shows, ranges, etc. Even though Second Chance makes very comfortable vests, do they get quiet hot during the summer, or even when you're doing some physical exertion. I also keep a level IIIA vest in the trunk, for when I'm not travelling with the II.
I do have an extra level II panel that I keep in my backpack. Tough luck if some wacko shoots me in the chest, but I figure I can run away before he does, then play dead when he shoots me in the back (where the panel is). Then when he's not looking, I can make good my escape.