Quoted: ... Honestly they don't look all that comfortable to wear under your clothes. ...
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Nor should they!!
I’ve never seen BA that didn’t have comfort – and heat – issues. These issues are worsened by individuals who want the highest level of protection and greatest area of protection that they can get. The result can be a vest that is very difficult to wear for any period of time – thus you might not be wearing when you suddenly need it!
As already stated, BA apparently degrades with use (and abuse) rather than age (unless made with Zylon, which is plain and simply a defective product). Also, exposure to things like UV light and bleach can degrade some ballistic materials. Some folks have even argued that storing BA folded will weaken it along the fold.
The problem with buying off e-bay is that you don’t know the history of the vest and don’t get to inspect it till after you’ve bought it. And the only way to actually test the effectiveness of a specific vest is to destroy it by shooting it. Plus if you’re not careful you could wind up with a Zylon vest.
Any new non-Zylon BA armor made by any of the well-known manufacturers should be fine so long as the model you’re getting is certified by the NIJ. (NIJ certification is another argument that we can skip for the moment.)
Used is taking a chance but is certainly better than nothing.