Keep in mind that plate carriers and plates cause an issue which is much more painful then getting hit with a BB:
Chafe
Its a major problem. I wear soft armor with work and even that does damage on the chest area, the women I work with report it as being worse for them. I started using a compression shirt and that helped significantly. Plates are worse then soft armor.
A soft armor carrier with foam inserts and then some sort of Molle rig over that would probably work well. Add a little bulk and protection.
-Grant
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