All, as someone that has been hit twice while wearing body armor (both time with .38 Special while teaching) is an experience that I will not recommend to anyone, hurts like hell, leaves a mark and ribs can/will be broken or sore for a while.
Any cartridge with the 'proper' bullet will defeat almost any body armor and you always have many parts not covered by armor to choose from (that was my 'specialty' during my teaching days).
SS190 for the FiveseveN (ammo not allowed to civilians) do this in 20% gelatin
I do not want to be in the wrong side of a weapon, any weapon, ever again, body armor or not