I have "concealable" body armor from a couple of different manufacturers; but the only times I wear it is on high-risk warrants, high-threat protective operations, etc. I'm in plain clothes - so "concealable" armor just isn't in the cards most of the time. It's 90-110 here every day, and high humidity; wearing body armor off-duty just isn't feasible, from a comfort perspective...
Regards,
Kevin