High Amounts of non penetrating damage. Bullets VS Plate Carriers

[mushroom911]

So, mostly playing westerns, medieval fantasy and some ww2, there haven't really been many cases of someone absorbing a 20pt blow with his dr.

What would happen if someone absorbs 28-30 points of damage with his plate carrier? I imagine that would hurt a lot, all footage I've seen where someone shoots a plate carrier with something like 7.62 API it looks like you would break a rib or two. Especially for ceramic inserts. I imagined something like 1dmg/5 dmg stopped sorta like flexible armor vs maces.

I was pretty sure I had seen some mention of this in one of the books but I can't seem to find it, the only thing I can find is the flexible armor rule.


What I'm trying to say is: Is there any rule that dictates if and how much damage you take from stopping a bullet dealing around 30 dmg with your dr 30-35 body armor?