Actually we DO have an example of working SF personal shields.
Worf fashioned a crude one using a commbadge of all things in order to protect from bullets. The only reason it was unstable and failed quickly was because he used a commbadge (an item with a power source NOT designed to power a full fledged forcefield).
That's simply among the pieces of evidence not admissible in court, because it adds nothing to the question of whether Starfleet has phaserproof shields.
It has had bulletproof shields since ST5:TFF at least, but nobody uses bullets in combat. Starfleet in turn never uses personal forcefields in combat, presumably because the actual threats don't warrant such.
That and when you think about various instances crews used wrist-band technology which created a field around the wearer to repel subspace anomalies, etc... it IS a personal force-field... just intended for different functions.
Yup, another irrelevant piece there as it has nothing to do with combat shielding. Basically, it's the futuristic equivalent of the radiation suits made today - of paper. Or perhaps a futuristic plastic raincoat, which is what the TAS belts primarily served as, too, even if there was also a supply of fresh air in the belt.
DS9 even verbally mentioned personal shields - but we never actually SEE them in use in the battlefield (which is ludicrous - but that also goes in line with the writers negligence and the stupidity of episode AR-whatever in which even phasers stopped having wide-beams of course).
Well, that hinges on the concept of battlefield. We never see those, for budgetary reasons. But when we do hear of them, one buzzword is "corpses". As in, phasers stop vaporizing when Starfleet goes to war. Which probably again is for budgetary reasons, but this time in-universe: vaporizing is a mercy shot that consumes a lot of power, and people low on power can't afford those. See e.g. the AR-558 bunch checking their guns' apparent power packs before the fight, something the heroes basically never have to do otherwise.
As for 32nd century SF having personal force-fields... well, they should, but we hadn't SEEN any in use just yet - and if they continue as they have until now, then we will never see them (along with most other things that should be common place in this era despite the Burn).
There we run into this "if it's possible, why didn't Charlemagne have it already?" question. I mean, Charlemagne hadn't met a Tesla vendor. But if those lived two castles over, and the power grid was not 500 yards away, Charlemagne very much would have driven a Tesla. That's the reality the Trek folks live in: somebody a thousand years more advanced than them is always around. And yet personal forcefields of combat strength aren't a thing, and warp drives better than dilithium-based ones aren't a thing. Although holograms, androids, antigravity, transporters and potent raygun sidearms are a thing everywhere, suggesting either that they are extremely easy to invent, or then (and IMHO more plausibly) that this sort of tech gets around, and is always at the level of the smartest folks in the neighborhood, even for upstarts like Archer or Shran.
Why would tech in the 32nd century be better than tech in the 22nd? The only thing that really would change is the reach of UFP shopping sprees: better warp drives allow access to a wider variety of clever elder species. And indeed ENT nicely shows that little or nothing changes between Earth's first contact with the Galactic Mall and Kirk's or Picard's days, techwise...
Timo Saloniemi