Update on the POC Armor Tee. This is a zip front coolwick type "tee shirt" with chest, back, and shoulder armor permanently attached. Bottom line - I found it comfortable enough to ski in and it clearly offers protection. However the fit allowed the pack protector to ride up dangerously on my neck creating what felt like a fulcrum the neck could press against. I was unable to adjust the fit and stopped wearing the vest since I felt this was very dangerous.
The Good: Other than that fit problem this is clearly a well designed and sturdy product. it feels bulky at first, but was easy to put on and was fine doing regular and fast "all mountain" skiing. It did not limit body nor arm movement. I did not try it in any race events. Others have said it was too hot, but I did not experience this, I did wear one less layer, and skied it on a 20 degree day.
The Bad: none except this fit problem that caused the back piece to slide up on the neck. (kind of a big problem). They make a small add on neck protector that may correct this, I have ordered it. Unfortunately this stuff sells out quickly at the beginning of the season and I was unable to find it at any local dealer and thus ordered it on-line. If this does not work then shortening the back piece is the only option. ( it also looks like you added 20# )
The Stupid: I bought this on-line. It clearly should be fit by someone who knows what they are doing. There was no price savings doing so, but no availability other than the on-line order. I found it in stock at very few .com ski shops.
Conclusion: I like the idea and the design of this protection - it is clearly a well made product. However get the fit right - it makes no sense to injure your neck with the product made to protect the rest of your body.