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My threat model is less concerned about intentional violence, and more about accidental injury. If I can reduce my chance of accidental death by 1%...We don't live in a world where loaded small arms are distributed about your everyday environment as in video games where they're just laying about on crates which mysteriously clutter offices, and also spontaneously discharge frequently [1]. Under that hypothetical threat model, I will grant that jeans and dress shirts which are casually bullet resistant would be a reasonable response.
Instead, a realistic threat model has a huge number of things you could spend your time and money on which would be more effective at keeping you safe. For example, upgrading to a newer car with better safety ratings, and taking extra time to drive slower and more carefully, could be effective in reducing the 0.012% chance you have each year of dying in a motor vehicle accident. That baseline is almost 100 times larger than your (in the US) 0.00015% chance of dying due to a firearm accident. To reduce that already miniscule chance, not keeping a gun in your house, avoiding firing ranges, and avoiding hunting areas would be more effective than everyday Kevlar.
[1] Relatively frequent accidental discharge would be an interesting mod for a first-person shooter. It could help teach good muzzle control if you handicap yourself or your teammate before the match even starts.