Quote:
"I'm amazed at how little coverage it provides below the bottom of my sternum."
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Modern designed chest protectors are made to end just below your sternum.
That is why they are called "chest protectors" NOT "belly protectors."
The chest protector "engineers" of the world decided that the ease of talking a correct stance eliminated the need for padding lower than the sternum.
I am surprised you were surprised (if that makes sense).
T