and get a softer helmet! harder lining may look good on paper, as you think it protects you more, but this just means the shock is transfered to your brain instead of lost in crushing the helmet lining! you also want it quiet enough wind wise not to make you tired or annoyed after a few miles. as dub, i like the rf1100. but if you have the extra money to go for an x-12, i'd say go for it! also look into schuberth, really quiet helemets, although they're very big.
'sides that, i don't think bike jackets are meant to go over armor, dub. protections, yes, but usually they have "pockets" to slide protections in. and a back protector is thin enough to fit under any jacket. if you can fit a proper field armor under your jacket, the jacket is too big. nice and tight means it'll stay there when it counts.