As mentioned by others, most Riding Jackets other little chest protection. I found out many years ago that can be critical. Have been using Ballistic brand armored shirt under jackets ever since the "cracked ribs" incident. But in warmer weather I think this Vest is a little cooler. Clavicle and Rib Protection on the sides is better on this Vest. Highly recommend wearing Vest under more abrasion resistant jacket.