since this is a thread that includes those that know and it is regarding fit of Hard Armor, I have the following question:
If wearing an LE MOLLE vest - SBA with the option of wearing pouches on the vest to get stuff off the belt - directly in the spot where a plate would go when putting on a plate carrier - does the plate loose effectiveness if there are pouches and contents between the soft armor and plate? does it matter if the plate is designed as an ICW or SA plate?
Depending on the thickness of the pouches and contents, your plate fit is going to be pretty lousy. The best case is a carrier that supports both SBA and plate inside the carrier. In your scenario, the plate will work, but fit may be compromised, meaning vital coverage may not be optimal depending on how the pouches make the plate tilt. I would recommend running the front and back of your SBA carrier as slick as possible to get the plates in the auxiliary carrier to sit right.
Going up against a rifle, any plate- worn anyway- is going to be better than SBA alone.