Just had my first actual dirt bike accident

Just had my first major dirt bike accident. Was riding next to a railway line on a acsess road got a tank slaper and parked the bike in a solid steel fence. Small shoulder fracture but no surgery required just in a sling for 3 weeks. Bikes ok other than a broken brake lever and possibly bent bars. Was wearing only a helmet gloves boots and a BMW adventure pants. not a scratch on my lower body. Main thing I am wondering is had I been wearing chest armour with a shoulder pads would I still have ended up in the emergency room?