All armor is ablative, that is to say, it's protection value degrades with every hit it absorbs. Whether it is lexan, kevlar or layered spectra, ceramic and titanium. A single hit will cause material fatigue and stresses that subsequent hits will add to until the cumulative stress and damage causes the structure to fail.
Even tank armor will eventually fail if you keep hammering away at it with small arms fire. It'll take a hell of a long time and perhaps millions of rounds of ammo, but eventually you'll get through it. That is of course, if the tankers don't incinerate your ass with a HEAT round or perforate you with coax fire, or just plain run you down under the tracks first.
A test of armor to determine upper levels of protection had better start with the heaviest planned threat first. I'd hit it with .30-06 AP first, Then, moving on to a fresh plate, step down to .30-06 or 7.62 ball, then move to the next plate. Once the plate actually sustains the first shot, then you can add another shot and see how MANY rounds it'll take before failing. If the plate can only sustain the one hit without failure, then it's protection against that round is marginal in my opinion. Sustaining two hits would seem a minimum of reasonable protection to me.
Bulletproof windows in cars for instance, need to be changed regualrly, probably annually and even more frequently in sunny environments. Even with UV protectant layers, they degrade from the sunlight.
If youa re truly concerned that you might become a target for gunfire, line your priefcase with panels cut from body armor and wear a vest. If the vest needs to be light to fit in with your lifestyle, at least it'll offer some protection and maybe prevent an entering bullet from penetrating to damage vital organs.
My solution to the problem is to stay the f8ck away from cities.