the M size is rated 91-96cm chest, and im...
the M size is rated 91-96cm chest, and im 92cm. will M fit with under-jacket armor? i mean not those long sleeved shirts with foam padding here and there but a "massive" spine protection and front side (chest) armor, plus maybe 2nd slim layer for cold days.
If the "massive" spine protection is really massive than no, it would be tight and uncomfortable. Go with the large for a better fit if you do intend to wear that protection. If not M will be big enough.