I wear a jacket every where, hot or cold. I don't know about just the armour, i think it runs a chance of getting snagged up on something and doing more damage. Also if you plan riding the route suggested in your first post the you need to be very aware of kangaroos, some 6 foot plus tall and cattle, foxes dingo's, all sorts of stuff, i am dead serious, i have lived up north and it can be a real lottery sometimes, especially at dusk and dawn. I had a friend come stay with me for a while and he wrote his car off in one month, thats 3 roos, in one month, the last one landed on the roof and blew out both screens......I wear a jacket for good reason....