If buying a SHTF vest, then get the full IIIA front opening vest that accepts level III or IV hard armor. If for everyday use, you probably want a traditional concealing vest of the type typically worning under one's clothing. A IIIA kevlar version will be thicker than a II or IIA and will be visible, but is the best way to go for actual protection.
Point Blank is a smart choice. Used by the military. Enough Said.
Point Blank is a good brand, but holy cow, the notion that the military uses it means that is should be a good product is terrible logic. The military is not known for their stellar decisions and suppliers are often the lowest bidders.
Kevlar really is the best and most proven way to go. There are some lighter products, but kevlar seems to have the best overall track record. Generally, vests are rated for 5 years of use. I have purchased used kevlar vest panels off of ebay that were up to 15 years old that still retained most or all of their ballistic-stopping capabilities.
I too would not buy from Second Chance after their major screw up with zylon. They have filed for bankruptcy. This came after a class action suit by Texas. Second Chance had several suits filed already, but Texas' was fairly huge. Second Chance had offered to send all zylon users additional layers to put with zylon. On behalf of all the state's LE agencies, Texas' suit basically said that the suggested patch was not adequate and that it wanted all zylon vests to be replaced with new kevlar vests. This had been requested before the suit, but Second Chance said, "No."
As far as brands go, it really isn't the brand that is in question when it comes to ballistic vests, but the construction material. All USA kevlar vests are going to be DuPont kevlar, regardless of the company that constructs the kevlar panels and carriers. Companies like Point Blank don't actually manufacture the kevlar.