I voted mobility because when I was in the USAF our body armor sucked and I would rather shoot and scoot than rely on it.
But from what I understand of the 4e rules (I'm still learning) it doesn't seem to be much benefit in forgoing protection though. Moving only provides a -1 penalty so mechanically it would seem that if you have good cover you'll just turtle up and rely on the body armor instead of tactical movement.
If you are wearing body armor in the tropic heat you would definitely need increased hydration requirements per day and maybe more Stamina rolls and/or higher penalties depending on temp and activity levels. If you forego the flak vest you may have lesser penalties.
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