Body armor is getting lighter and thinner all the time. Until I retired a few months ago I was required to wear it. A fact the insurance company made very plain to my employers. I don't likke it and prefer to be free to move and cooler without it holding in heat. It can also get in the way. My suggestion is do without unless people are shooting at you.
At which time it's too late to change your mind.
Was that medical insurance or life insurance? If your line of work is such that people might shoot at you, wear the body armor; that's your insurance.
As for that video (I watched before it was removed) -- not impressed with the testing procedures. The bullet may have a much different effect on the armor if you back up the plates with a man size/weight mass, rather than just sticking it in sand and allowing it to fall over. $.02