Might be a very dangerous situation. I would dial up 011, then wait until they cleare
2 things: 1. just like the others said, a vest doesn't cover your whole body, and depending where they hit you, a leg wound can be just as deadly as a head or neck wound(which by the way, the vest doesn't protect either.), and a vest also doesn't stop all rounds... most vests that don't have inserts for plates will stop a nine Millimeter, or a .45... but a .22 can penetrate them.
As for the person who said "my 1911 protects 100% of me"... think again brother. just because you own a handgun, and have gone thru a 2 day class to receive your carry permit doesn't mean you will be able to hit the people in your home, or keep yourself from getting shot. The one time I came home and had someone in my house, the only thing that kept me from getting shot is they were too scared to shoot, when i fired they were less than 15 feet away from me, at that distance, if the burgaler decides to fight instead of run, chances are you both are going to get hit. I have had over 14 years of combat training in the Army, and been in numerous combat situations overseas. The only thing that saved me over there is the training I recieved, and a lot of good luck.
As for Calling the police and letting them handle it, by the time they get there, the Perps will most probally be gone. Like Dwight55 said, Its for situations like this that I carry, for the past 10 years, every since I Got my Liscense when I turned 21, every morning when i get dressed, as soon as i put my pants on, my pistol goes in the holster, and I do not take it off untill i get undressed at night, then it goes on the bedside table. no im not parinoid, but you are never totally safe, even in your own home. If you Carry a weapon, you better be willing to use it, if not, Get rid of it. always be ready to protect your own, thats the way I was raised. My Grandpa taught me to shoot when i was 6 years old, with the 9mm pistol my dad kept in his desk at the house. one of the first things they taught me was never touch a weapon unless you are willing to kill to protect. If you are not willing to do what needs to be done, then you have no reason to own a firearm.
Sorry for rambling, but this is a subject that i am Very passionate about.