Always remember that there are only two vests currently in production that compare in the ultimate of protection and that is the BWEAR vs TEKVEST Pro model. Compare weight, price, flexibility, arm articulation, shoulder fit, size adjustibility of these two products and BWEAR always stands out. (remember we are talking about the pro model not the sport or klim ect ect)
There are definately different products available (vests with thin foam pads, apparel with sewn in foam, plastic shield with foam base over vitals ect ect) marketed/sold as protective riding devices. Many of these products are far more comfortable, less bulky, and also retain less rider heat. They are better then nothing but a long ways from adequate in the event of major injury inducing trauma. You the consumer just need to decide at what level of protection that you require and at what level do you sacrefice protection for comfort.
I've been in TEK pro or BWEAR all of my racing and riding life. Both have saved me from certain serious injury and quite probably death. I sacrefice comfort every time I free ride by wearing a quality vest and a heavy pack...but when I eat it (which happens quite frequently) I get to come back for more the next day! Will you? Hope so...I had to take a year off with injury and it was brutal both financially and emotionally. The constant memory/thought of that makes strapping on a vest and pack pretty easy to deal with.