Agree. Thats the same as I do, and only finishing my vest front today ( see the My Torso assembly !! post ), I came to the conclusion that velcro is the better choice. The snaps MAY be stronger, but the have to be sewn one 100% exact. You can vary with the velcro a little, making it a little easier IMO.
Industrial strength velcro worked the best for me. I tried several other options first including putting screws through the vest and having nuts hold them on from the back and also I used snaps. The screws were uncomfortable and the snaps always popped off.
I have never had any comfort issues with the bolts. I cut the studs just long enought to pass through the vest, backer plate & washer so the nut would end up flush with the end of the stud. Then with a t-shirt, jumpsuit and JP harness between me and the bolts, I can't feel a thing.
And, they hold real tight. No issues with movement or pull-away of the armor from the vest. Even if I catch the edge of a plate on something or someone.