[Varyon]

From what I understand, penetrated armor protects much less than GURPS suggests. A simplified version is that the square of armor protects against the square of damage - so if those armors were, say, DR 8, 12, 12, and 12, that's not DR 44, it's DR (64+144+144+144)^(1/2)=22, which still should have been enough to stop the 20 damage of the shot - it's possible our DR values are off, or the damage is off. A gameable version of this rule is to state that, if damage is greater than DR, divide DR by 3 to determine how much it reduces damage by. Above, we'll round that DR 8 up to DR 9, in which case the first layer is penetrated (17 damage remaining of our 20), as is the second (13 remains) and third (9 remains), but the fourth is enough to stop the bullet. Something is definitely off, particularly with the fact that the bullet apparently had enough chutzpah left to punch through an estimated 20 inches of flesh - which works out to right around 20 damage on its own (flesh is roughly DR 1/inch). That implies that, if the bullet can get through soft armor, it outright ignores it, rather than just reducing it via a difference of squares approach (or the simplified divide by 3 method, which tends to give very similar results). That, or the bullet in question has some sort of armor divisor to it.