The San Tan Gear ExecPro Armored Bag strikes me as a particularly good idea, in that you don’t really lose anything by carrying it. Except $400. But it’s like that shingles shot. If you don’t have it and something bad happens you suddenly realize you would have paid anything to have gotten it in the first place. Only it’s too late. Mind you, I’m not a big fan of off-body carry. At all. But ballistic protection? Sure. Why not?