I've been shooting carbon arrows for something over 13 years at the tune of 15,000 shots and more per year and have yet to have a carbon arrow bust, break, shatter or whatever else at the shot. I can't truthfully say I check each arrow after each shot, but do check those that hit something solid or that slap together in the target.
Feel better with a glove, use one.
Kelvar and other "bullet proof" material come in graded affairs. That which will stop a .45 may not stop a .22 and vice versa. Those of insert plates are to desperse the power of the hit, like keep the chest from being broken. Skid hits on bullet proof vests/jackets are not pleasant - can burn like H___. For sure if you were to be hit hard enough to knock you down, you don't get up like those shown in movies. How many can say they jumped up to battle on after you got the Sh__ knocked out of you? Damn! It's hard enough just to breath!
Of arrows, the supposedly nock buster points have proven to penetrate some of the bullet proof vest/jackets.
If most would note of pictures of our brave men over seas, they are were flack jackets that stop most everything.
