Actually, hehe, we've tested bean bag and other impact rounds on people wearing IIIA vests. Gotta trust the guy pulling that trigger, huh?
Still painful.
With an inexpensive vest, you are gonna get what you pay for.
I suggest you go to a local law enforcement agency and ask if they happen to have any outdated
female vests you can borrow. You'd be surprised what you can find, and what they might lend you, if you explain what you are using it for. Outdated vests doesn't mean they don't work, in some circumstances, the fiber may be a little worn, but it's better than nothing and most of the time better than a cheap vest. It's just a way for the company to put a guarantee on it. Most agencies' labor contracts require current vests, so departments actually usually have some lying around. Besides, a female vest takes into account the, uh, ahem, breast department if you know what I mean.
You should have some time, you won't be doing that much ride time prior to finishing some classroom stuff. But you can get quite a bit in as you prepare for National Registry. I would suggest taking something from the EMS service that is sponsoring you or hosting the class to show the l.e. agency that you are legit and don't need to borrow one to pull off a Hollywood Shootout.