Maybe I just lack imagination, but it's hard for me to think of a disaster situation where I'd wear a vest on a regular basis except a complete, prolonged breakdown of order. I'm more worried about tornadoes, power outages, etc.

I don't think we need to rule out anything, even a bullet-proof vest, but this is really just a matter of priority for me. For the same amount of money, you could get other things that you're far more likely to use. Heck, I need to improve my emergency water supply, and I get thirsty fast!

My guess is that if you might need a vest, you'd probably know already.

DB