I have a vest, but it's in no way part of my home defense plan... it's mainly for safety at the range, or the occassional trip to a bad neighborhood (I prefer to simply avoid the bad neighborhoods if at all possible). Given the layout and size of my dwelling, I just can't see grabbing a vest a feasable option for confronting intruders. Of course, that doesn't mean I wouldn't grab it if I had a chance
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I would be afraid of having to explain that in the aftermath of a defense event. If I had time to put on a vest, and the foresight to have one, why didn't I just leave?
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I can't speak for you, but for me the answer is simple: the law allows me to stay and defend my home without any obligation to retreat. Besides, if I'm in my bedroom when somebody breaks in, I have no realistic avenue of escape.