Here's a post copied from ADVrider re: the Klim Airbag Vest. I purchased one over the winter, using it for the first few rides of this season. Because you're adding another piece of gear, it may at times seem like a hassle or inconvenient and you question whether you made the right decision. This rider's experience has resolved that for me.
I bought a Klim vest a year and a half ago. About two weeks ago I hit a deer at 65mph while on trip from L.A. to Colorado.The doctors and I are convinced it ( and my helmet) saved my life. I still ended up with 7 broken ribs, a bruised lung, a broken clavicle, and a concussion, but it would have been a lot worse without it. Funny thing is, I had been second guessing my decision to buy it because I felt it was at times a bit uncomfortable, and thought about leaving it behind when I left for my trip. Thankfully I didn’t. I wear it under my Held jacket with the jackets back protector removed, but leaving the shoulder pads in. As an aside, my Daytona boots saved my foot/ankle from a nasty injury.
I’ve been riding for 30 years and I’ve never had an accident, and I would sometime wonder if it was overkill to spend so much on the gear i use. I would justify it by saying “it only need to say my life once.” Turns out I was right.