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I have body armor for myself and my wife in case of home invasion. However, they stay in the front part of the house for easy access if we are not in the bedroom (we have a safe room off of the bedroom). We know where they are but they are not easily seen.
We do not, however, wear them outside of the house with 1 exception. If I know I am going to a jobsite in a "bad" (I know, relative term) part of town, I will put mine on under my shirt before I go to the office and then stop by the house on the way back to take it off.