I've done some net trawling and information is inconclusive.
bulletproofme.com has a quote that may or may not apply:
“NIJ tests failed to demonstrate any significant differences in 10-year-old armor, regardless of the extent of use or apparent physical condition”
“The warranty exists solely to limit the manufacturer's liability on the product and is not a reflection of the anticipated service life of the product.”
...Guide to Police Body Armor, National Law Enforcement and Corrections Technology Center (NLECTC)
I haven't been able to verify this quote or find out if it specifically refers to Kevlar.
From a TK2 feel of things I like the idea of degrading protection. Perhaps a variation of the TK2013 wear rules might be in order. For armour that has been subject to wear and tear, roll d6-1 to determine age. This is its base wear value. The wear value represents the percentage lost from protection so a WV of 5 vest would lose 1 AV (I'd only apply when it got to 5 1/2 protection and 10 useless). In addition, the vest loses 1 WV for every additional year of use and 1 WV every time it is hit.
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