Armored clothing.

So there was a bit of talk in the office today about body armor. This dwindled down to accessible civilian armor and then settled at Kevlar hoodies. There are a multitude of offerings for cyclists (both motored and natural) as a damage buffer against accidents. But how practical are they for self defense? After doing a little bit of searching I've come to find that while most vest will protect against knife cuts, they can't protect from serious punctures. I also thought I heard about some that are of a high enough armor class to block 9mm but this has been hard to confirm. Does anyone have experience with these?

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