Check out the thread started by Blink Dog called Ballistic Protection Standards. Both myself and The Dark/Vesper Wars have some basic systems posted there. I am still using my AV system based on NIJ (National Institute of Justice) Armor Ratings. That system is;
NIJ Level 1 Rating: 1/4 AV
NIJ Level 2 or 2a Rating: 1/2 AV
NIJ Level 3a Rating: 1 AV (this is the default Version 2/V2.2 armor level)
NIJ Level 3 (rifle) Rating: 2 AV
NIJ Level 3+ (rifle) Rating: 3 AV This is not an NIJ tested level but is commonly used by manufacturers.
NIJ Level 4 (rifle) Rating: 4 AV
These levels are very close to the real-world performance of actual armor using the games default PEN and DAM ratings.
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