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I have leat body armour which fits under mtb jersey but has back pockets which are elasticated so items don’t fall out. It’s light enough that I never notice I am wearing it.
https://leatt.com/gb/product/body-tee-reaflex-stealth-v24?selected-color=stealth
But unsure if the latest version has the back pockets
It has a rear pocket but it's one of those small, side-entry ones. No good for whipping out the phone in a hurry (which I tend to do a lot for nav and a bit for photos)