I would like to purchase 2 safety vests that can be used for driving.
Desirable features would include:
Can be worn while seated without riding up
Not bulky - so doesn't interfere with arms
Protect ribs from breaking
Not miserably hot in summer
Reasonably priced - not sure why Tipperary vests cost so much.
I event, so I ride in vests as a matter of course. My husband just started driving; he too evented for years and yrs. He was actually wearing vests before they were required!! All 4 of ours are Tipparies. I find them very flexible and comfortable. We live in OK. It gets bloody hot here in the summer. I will be out schooling cross country with others and see them unzipping their non-tipparies as soon as they get off. 3 of ours are mesh covered. My one custom ordered one got "confused" in the order process and isn't mesh covered. Maybe it is a be warmer? I cant' really say since I only use it for competition and that means I always have a darned pinny on over it.
I would suggest trying some on, if you are in an area where the are some tack stores that cater to us eventing folks. Or, since I see you are in AR, ask some folks in your area that event (I know there are some!!) if you can borrow their vest to try. Then, go to Ebay.
My Flex Rider vest has a tail flap that is separate piece from the body of the vest. It attaches to the back via a zipper that allows it to pivot and move with you when you bend or sit. It never interferes with the cantle of my saddle so it should work just fine sitting in a cart.
The model I have is no longer sold, but the INTEC Crusader is its replacement. Dover sells them, so you may want to call them and ask if the tail flap on them is zippered to the back as well. The Crusaders are about $160.
I'm pretty heat-tolerant so mine is alright in that regard.