Your average body armor is for unexpected firearms confrontations, where you may or may not be dealing with someone who has a gun. With few exceptions, the .223 is not a pistol cartidge, and if someone is carrying a weapon that fires it, you will know about it in plenty of time to seek cover, run away, or (desperate situations) fire preemptively. If I know for a fact that I will be confronting someone with an assault rifle, I'm not strapping on kevlar, I'm staying home. However, if I have business that takes me into an area or situation that MAY turn to a self defense situation, I have no problem strapping on a soft vest.
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