I always wear armor but the bar went in just below the rib/chest plate. Did it right at the end of Frog Pond; there's a wood bridge over a ditch and I slid off the wet wood and into that ditch sideways. Ripped a few spoke spoke nuts clean off and bent the front rim at about 10 deg.
Done this before in much the same spot; nothing is broken, just bruised or cracked. I can push on it without sharp pain, can lie on that side, etc.