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With ceramic inserts the damage rating goes to +4/+8. If you want to make a player's life difficult, you could take away the ceramic benefit after a few hits as the plates can shatter when struck by bullets.


See the description of Kevlar, a couple pages before the table. The +2 is against most attacks, while the +4 is against only bullets. (Note also that Kevlar negates up to 4 AP on bullets as well, so it's even better against them than just the +4 would indicate.)

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