Once I had a college jacket and high performance running shoes, I went to padded armor from scrap armor and even stopped using my minibike. Only hassle I had was doing a BM on foot running around I ended up with a broken leg from an (un)lucky hit and realized I had no splint to even make it to somewhere to survive and got eaten. Thinking maybe heavier armor might have made that survivable (if it might have prevented the broken leg), but it was my mistake for not having a good escape plan (like maybe parking a minibike nearby or even just remembering to bring a splint).
I imagine once I'm flush with more points (and more mods for heavier armor) I'll end up back with heavy armor (and once I get a motorcycle it won't matter as much) but I'm loving not having to concern myself with anything other than food to get around quick. Parkour 2 combined and it's just those (un)lucky hits that I am concerned about.