I personally don't worry about it, although I do plan on getting body armor at some point. It's not high on my list though. I've never heard of criminals wearing body armor in my area, but if it became a problem I'd probably just switch to my AR for primary home defense. Some good 62gr green tips should solve just about anything that comes my way... and again, the chances are so remote...why worry?! Guns are the perfect cure for worry anyway.