Peyton is correct. The IBA's are truly a dis/comfort. The new ones they have out (Improved Outer Tactical Vest) is supposed to be more comfortable, offer more protection to the lower back, have built in side plate holders, and a quick release. Although, they take a LOT longer to put on from what I've seen. "Supposably" they are supposed to be issuing them to units already in theater before others, but I've been here for 11 months and havn't seen them on a single paratrooper here.
On-Topic: While it might offer you a feeling of comfort knowing you have it on, you really don't want to where it 24/7. A light vest (kevlar only) would be light and most likely be able to stop 9mm FMJ (thats the standard, right?), while a plate would offer more protection. I guess it really boils down to cost/benefit for yourself and the legality of such.
But its the US. If its legal, and you want to, you can do it. Freedom. Its an amazing thing, isn't it?
God Bless America.