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Armored shirts offer, as the name implies, sufficient protection and can therefore be worn as a stand-alone motorcycle garment. In fact, armored shirts are worn directly on the body, so you can wear any layer of your choice on top of the Armored shirt, this could be for layers purely for style or to protect you from the elements.
No, the vests are designed as a versatile, protective motorcycle garment and can be worn all year round. But because they are almost always entirely made from a abbrasion-resistant mesh, they can be worn and are in fact ideal for hot summer days.
In contrast to normal jackets, the protection is, as it were, directly on the skin. This ensures that the protection stays in place and has much less chance of shifting around while on the bike.