Have you tried using FiveM? Last I knew it didn’t require social club access.

Not really. A bulletproof vest won’t protect your head. Meanwhile they’re standing directly on the other side of a door that they’re shooting through, while the home owner could have been anywhere on the other side of the door. They’re playing a guessing game, but the homeowner can just shoot the door at head-height and their bulletproof vests will mean nothing.