I've went down once in my FS Monza. Lowside at ~40-45. Came out with a little burn on my elbow where the pad slid around my arm. It completly tore through the shoulder to the point it was grinding on the armour. Never touched my skin anywhere. The only porblem that I've talked about before, is that with the looser jackets, the padding tends to twist away from where it's supposed to be. For summer, I just bought the Sonic Air and with the leather pads, it's much tighter and feels a lot safer.
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-gary
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-gary