X2 on the body armor! It's hot, and miserable, but it works. I have had 2-3 significant crashes with mine on and have got up thinking 'that should have hurt'..
On my last ride, I took the handle bars to the chest. It knocked the wind out of me, and felt like I had been hit with a bat. After I was able to breath again, I realized I was not hurt at all. A hit that hard should have been painful.
Another time while riding some super tight single track I got pulled off my bike. I failed to see a dead branch pointed right at me. It went through my sweater, deflected off the armor, and back out the back of my sweater. I was literally speared. The armor protected me.
I don't care how hot it is. I wear it.