sledjockey, Thanks for the info, I agree that in the city there will be more of the hand gun fights which many will be gangs with the .22 to 9mm and some .45. I do not think they are good shooters so head shot will not happen, they would have to get close for head shots.
matt76, Like I said in the city there will not be to many scope rifles shooting people, more of a close range shooting with hand guns and shotguns. So the idea is to try to keep everyone at a distance. So I got my answer buy the side armor.