IMHO, the more sophisticated bad guys these days sometimes wear armor/kevlar. I read a story a while back where these home invaders were wearing kevlar vests while they did what they came to do. If I was a BG and I was robbing homes and committing various crimes, I'd probably want some body protection. I have also heard that the hard core gang bangers wear vests all the time, according to a LEO friend of mine in NY and in LA (especially LA). So if all these BGs are now wearing vests, how effective are center mass shots coming from a 9mm or even a .45? Slow him down a little? Some 9mm rounds have been reported to bounce off denim and thick leather jackets. What's your opinion on AP loads available to the public? I see many pros and cons. I'm not a fan of having Uncle Sam tell me what kind of gun or bullets I am allowed to use. What say you? Harry Wanna kill these ads? We can help!