For me, here in the desert Southwest, heat is the biggest problem when wearing protective gear. In the winter months you can wear pretty much anything. But eight months out of the year, ITS HOT, and my gear has to flow air. The three things I won’t compromise on are full face helmet, jacket with or without armor, and quality armored boots.
My best jacket is winter only wear because it’s too hot otherwise. I switch to a mesh jacket and give up some protection.
I once decided that I needed riding pants, with tough abrasion resistant cordura nylon exterior and knee armor.
I read recommendations and bought a pair, they were expensive! When I got them they were so heavy, inflexible, and hot, I never wore them , not once! They took up room in a cabinet until I finally threw them out.
I have no doubt that inflatable vest could and would provide another layer of protection, but I probably wouldn’t wear it.
For me , it’s protect your noggin, wear gear that will keep your skin on in the event you go sliding, and protect your hands and feet. And when you’re riding , just assume nobody sees you and position yourself in traffic accordingly.
I assume that everyone in a left turn lane WILL cross in front of me and everyone waiting to pull out of a parking lot WILL pull out in front of me. Try to stay out of peoples blind spot, don’t ride beside a car whenever possible. And on and on.
It’s also why I seek out backroads and small two lane country roads for pleasure riding.
As for anyone else, I say if you want it, can afford it and would feel better having one , by all means get the vest.
Ride your own ride!