I took a dump last spring- 6 broken ribs, separated shoiulder, concusion, (cracked my helmet!) Had on a new Fox and MSR helmet.
I looked at EVERY chest protector after that. In reality they're pretty close. I just saw a Thor impact or something like that has a hump for your spine and extra padding in there, that's my next one.
I wear a football players rib pad. It's @ 6" and about 1"thick.
It's tough to stop a rib break. Most chest protectors are a hard layer between you and the ground or what ever, I looked at the body protective shirt type of things to put under my chest protector, but consider this, It was like 100 degrees here in NEPA for a bunch of races, I'll die from heat prostration!
I've been using that rib pad and so far no broken ribs, (knock on wood!)
Just my 2 cents :)
Joe :)
I keep the medical profession in business here! :)