I don't see armor as paranoid. Most of us here on GT will have a loaded gun accessible when we go to bed tonight, in case armed intruders force their way into our homes. Why do I have a vest within reach of my bed? In case armed intruders force their way into my home...
I've always worn one when doing police work. I occasionally wear one on the range depending on what's happening there that day. I do occasionally wear them when I'm someplace where I perceive myself to be at risk as a civilian.
For much of my life in Northern New England, I wore one routinely even on my own time in the cold winter months. They're excellent windbreakers, and let you remove one layer of outer clothing, giving you more mobility. That's also the time of year when idiots who don't know how to drive on ice or snow crash into your vehicle, and nearly half of the body armor saves come from vehicular incidents instead of weapons incidents. I was one of them, one chilly Winter day in 1996: Second Chance Save # 682, Kevlar Survivors Club member # 1946. No great war story to go with it, but no less satisfied a body armor customer.
If you're into bali-songs, no reason not to carry one, so long as they are legal where you're carrying them. I carried an original Filipino bali before the coming of the Spyderco (showing my age here...) .
Five guns are only excessive if you're carrying them all at once...but that's just one guy's opinion. And I don't think we knife collectors are "pathological"...