i would also wear a bandanna around your neck. i always folded one over a few times (to 2 inches wide or so, not cowboy style). i will never forget the pain of being shot in the throat from about 5 yards away (right on the freakin adams apple!). ever since that day, having something around my neck to soften the blow (anything is better than nothing!) was a must.
i wouldnt worry about heavy clothing elsewhere. jeans and a light long sleave shirt are OK. getting shot from the neck down (except the boys) isnt too bad. protect what counts!
