What do you guys wear/prefer for upper body armor/protection when riding the trails? Under jersey zip-on body suits or over the jersey gear? Soft or hard armor? Do you like something that covers your shoulders and maybe even your arms or do you think that a chest protector is enough? I usually ride with a vest and I would like to try under the jersey style for that reason, but I fear it'll be far too hot. Leatt, TLD, Fox, A-Star, Thor, which holds up the best?