A garment comprises a panel adapted to comprise or retain body armor that protects a front region of the torso when the garment is worn and respective laterally spaced side pockets that extend generally vertically at the front side regions of the torso when the garment is worn. These side pockets have openings at their upper ends to removably receive the respective arms of a generally U-shaped, deflated but inflatable personal flotation device (PFD), that thereby extends behind the neck and/or head of the wearer. These side pockets have outer side fastenings that are separable by the inflating PFD arms to thereby allow the arms to fully expand. An inflatable personal flotation device (PFD), comprises a casing defining a central portion and a pair of laterally spaced, generally aligned arms extending therefrom whereby to define a generally U shaped configuration, and bladder means within the central portion and the laterally spaced arms, able to receive and retain compressed gas for inflating the bladder means and the personal flotation device. At least the central portion of the casing is at least partially inlaid or overlaid by armor to protect the bladder means from puncture by impinging projectiles. Also disclosed is a personal protection system comprising the garment and the PFD.