Whats more important to you, personal comfort day in day out, or personal protection? I like to draw the line somewhere in between. I value my comfort day in day out, so I carry a compact 9mm or a snub revolver vs a full size. Sure I value my life which is why I carry daily, but what's the point without quality of life.
I say ditch the vest while off-duty, sit back, relax, and enjoy the show.