Tipperary are NOT certified and I highly doubt can protect from anything (except getting money out of your pocket). The most comfortable I've tried is Dover Saddlery | Airowear Outlyne Flexible Vest .
(already mentioned here). It IS comfortable to my great surprise and I'm very picky.
It definitely beats up Charles Owen in matter of comfort (and just $50 more comparable to Tipperary Dover Saddlery | Tipperary Eventer Protective Riding Vest.
Flex Rider is the cheaper alternative Dover Saddlery | Ladies' Intec Flex-Rider Body Protector .
, still certified. Personally out ot Flex Rider and Charles Owen I'd pick Flex, because they feel exactly the same (like you are packed in cardboard), but Flex is twice cheaper.