Personally I don’t intend to meet invaders inside my home to give them a look at my attire. Even so, at 3:00 am as they are breaking in, you’re going to take the time to hide your vest under a shirt?
My thinking is if I’m getting shot at and there is a high probability of 7.62×39 being used, then I would like protection suitable for that purpose. Wearing armor less capable is senseless in the situation.
As far as hiding armor, a person can put a XXXL over a carrier and look like half of the population and no one would think a thing about it. That extra 20lbs will just make you walk closer to the proper half step stride.