“Body armor” could mean anything from a nylon air soft vest to some heavy mil surplus shit with ceramic chest plates, or even like, a bunch of welded together metal scraps like that one old outlaw had. In any case, they probably didn’t bother to armor their head or thighs, both of which would bleed out quickly if damaged.
Extra History is pretty lib but their series on Ned Kelly was excellent. The guy tried to live an honest life but kept getting called a criminal by the rich and powerful until one day he said “Fine, fuck it. I guess I am a criminal now” and proceeded to make every rich asshole in Australia dread his existence
https://www.youtube.com/watch?v=a1WmidFwFzY&list=PLhyKYa0YJ_5B-ZwtgBs6p43JywAvN_TGl
Level 4 plates that can reliably stop multiple rifle rounds cost less than 1k for a set.