I wonder if that's what goes through an officer's mind when he is struck by a projectile while wearing the protective vest. "Damn, I got hit because I looked too militaristic. If I had just worn my skivvy shirt this probably wouldn't have happened."
The "appearance" threshold you just used is the same illogic used by Clinton during the Asshalt Weapons ban. I didn't like it then and it doesn't fly now.
This ain't Mayberry anymore Barn. I wouldn't want someone to die just because I didn't like their attire.
Outer or inner vest you are still protected the same. One makes you look like a professional ready to help the other makes you look ready assault through the objective during a traffic stop.