Agreed, the chances are slim a bady would be wearing armor, but it is there. Of particular note (albeit also rare possibilities), would be encountering an active shooter (either a mentally ill person, or terrorist(s)).
2nd to that, depending upon wether the President elect can turn the economy around or not, would be severely reduced ROL. Those same gangs who have access to armor will see reduced ROL as an opportunity to take your bubblegum from your house while you & your family are home...
That's what M1-A's are for, Camel! "Aw, I spoiled your little chest plate!"