In the spirit of full protection does anyone worry about chest protection? I where a textile jacket, an Olympia renegade, with back, shoulder, and elbow armor. But, I notice very few if any jackets, if any, are designed with front armor. Why is that? Too hard to protect the rib cage, or maybe it would be too bulky or too hot? I see you can buy racing gear with this but not a general purpose riding jacket that I've seen.