For your Fatty Armour.. Check out the EVS Ballistic Jersey I think its BJ22? There's one with the Kidney belt and one without I believe.. Or with and without sleeves, i forget..
But they have the larger size.. And it fits me (which says a lot!) with some "breathing" room.. That was last years design though. I believe they changed it some, but looked like more with the strap designs to secure the pads in place better..
You can wear it under the jersey, or just by itself. Its very breathable and comfortable with no undershift.. So you can ride with it on those hot days..
Worth looking at.