They give two good tldrs near the bottom of the article:
The armor, said Wald, doesn’t go where the bullet holes are. It goes where the bullet holes aren’t
If you go to the recovery room at the hospital, you’ll see a lot more people with bullet holes in their legs than people with bullet holes in their chests. But that’s not because people don’t get shot in the chest; it’s because the people who get shot in the chest don’t recover.
I was drunk when I commented but I think I was trying to imply that the survivors can’t always tell the complete story.
This area has been pretty well explored by Pokemon Go players already. On Android there’s an app called defit that has multiple options for adding fake exercise data to your Google fit account which is where Pokemon Go, and typically these insurance apps, pull their info from.