Friends of mine have body armor vests that they wear underneath their motorcycle jackets, the latter stripped of all protective bits and pieces. Usually they wear their usual t-shirts and their body armor on top of that. If it gets really hot they have mesh type jackets to put on top of the body armor, if it gets really cold the usual jackets with inner liners, waterproofs, etc.
Not sure if exoskeleton like body armor vests even exist. I thought they were all made for being worn underneath another jacket
"Life is not a journey to the grave with the intention of arriving safely in one pretty and well preserved piece, but to skid across the line broadside, thoroughly used up, worn out, leaking oil, shouting GERONIMO!"