[nickrego]

All of the "top of the line" products protect well. The big difference is FIT, in my opinion. You need to try on several to see which fits your frame the best. You will be surprised at how different each model feels and fits.

Personally, I use the Honig's K1, because it fits my large athletic (stomach doesn't stick out past my chest) frame best. It molds to my shape, and stays put very well.

The Platinum felt like a stiff board with pads to me, and made it hard to put a shirt or jacket on. The Gold fits just about anyone under 6' well. No experience with the Hard Shell.