That's my idea as I ride in hot weather in Australia in the winter and don't like ballistic stuff at the best of time.

So use bits and pieces under street clothes except for mesh jacket with armour which is comfy and cool anyways.
Torqued down hard on my shoulder on a muddy hill and never felt the impact.
But my hip did - hence the new armored shorts.

Compression supposedly reduces monkeybutt as well - will let you know once I get over this damn cold.