Cover yourself and the ones you care about with some solid protection, and then laugh in the face of danger. Or run and hide.

Substance	Armour Bonus	Max Dex Bonus	Armour Check Penalty	Speed Penalty
Flak Jacket	+3	+7	-0	-0 ft.
Kevlar suit	+6	+5	-1	-0 ft.
Light Armour	+10	+2	-3	-5 ft.
Heavy Armour	+12	+0	-5	-10 ft.