[scorpio_rocks]

The armour values will only work for vehicles.

The only way to simulate this is to adjust the "toughness" variable in the game preferences screen.
However in game terms body armour has no effect - whilst your flack vest may save your life you are still likely to be incapable of combat! The game doesn't differentiate between dead, badly wounded, caring for a hurt mate or cowering at the bottom of a shell hole - a "casualty" is incapable of fighting effectively.