I've been running with the Flannel Shirt and Jeans under Leather armor pieces, with a construction hat as a helmet. It's a very "Blue Collar" kinda look, and I dig it like crazy. I tend to do mostly sneaky infiltrator type gameplay, with sniper rifles for long range and a highly modified 10mm pistol for close in work, and a high armor rating isn't a terribly important necessity. Once I can put a suppressor on my guns, the concept will be "finished." I'll try to see if I can get a decent screenshot. It's not a look I'd usually go for, but it really works for me.