For those that have always wanted one but the price was too high, here you go for $140 plus shipping. Plate Carrier Vest with Two Soft Ballistic Panels, Level IIIA, 2975 Discreet Series by VISM, Black.
Good price, front and back protection...Fully adjustable and looks like it would be comfortable to wear.
For those not familiar with body armour levels of rated protection....Body Armour - Threat Level Information for comparison purposes. Via:Body Armor Guide - Safe Life Defense Disclaimer: I am not endorsing particular body armour products, the linked pages are only for illustrating armour rating classification systems.