You're right about him not knowing who Vigil is.
As for Vigil's armor looking different than steel, you're right, but 13 doesn't know that. He just sees metal armor. And he's betting on A. Their ammo being able to pernitrate that armor, B. You not being willing to risk your life for an illegal, Besides, who would? Certainly not Mr. 13. and C. the number of his guys, because he's sure that at least one of them can get a good shot in. Which, to be fair, is possible depending on the rolls and D, you not having anything else up your sleeve in terms of defense.
You're also right about him being arrogant, which is also contributing to him thinking he can intimidate you.
And I just would like to say, I love it when my readers do research like this.