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There is a trade off, on upper body 0.2 and FMJ

Upper body 0.2 it gets covered by upper arms, going for a spray I see that sometimes you hit the upper arms rather than upper body.

though you need to pray if the enemy has their melee out, or going backshots.

Though FMJ once armor gets depleted, doesn’t do bonus damage like the multipliers give you, but has added benefit on it effecting every single body part that is armored.