modular armored chest/ shoulder waistguard pieces over clothing ?

[xreddawgx]

like so

[ghastley]

Any pieces not using the standard slots (generally in the 30 to 40 range) won’t displace the clothing when equipped. However, unless they are generously sized, the clothing is likely to clip through. Some of the pieces from TAWOBA might work, depending on the items underneath. Tight-fitting clothes will obvious cause fewer problems.