Jack's estimates and observations are pretty good. And the timing is probably on the short end.
All-in-all, the reason there are no rules for how long it takes to get dressed, is because it is highly dependent on the clothing.
Putting on an Armor Jacket takes (maybe) an action or two, but a Chameleon Suit takes significantly longer. An Armor Vest would likely be longer than the Jacket, but not super long...
Also, keep in mind that armor does not equal clothing. A shifter who changes and just puts on an Armor Jacket is still pretty much naked.
Generally speaking, changing wardrobe is an out-of-combat act.