In the interest of balanced coverage, some thoughts on the current way of carrying your fighting load out. If indeed body armor is worn, then you have a whole list of options to chose from. We've gone through many configs in the past 10-15 years. What I prefer, and again my AO is hot and muggy for a good portion of the year, is a Crye JPC style plate carrier, with a skeletonized cummerbund, and no side armor. So I am balancing between coverage and light weight/mobility.
This is an individual requirement based on: Likely threat level in your AO, Environmental factors, how much weight you can function with, and your pocket book. In my case, for an active shooter event, or violent home invasion, I think having something up to M855, is probably GTG. So a level "3+" plate, which will stop green tip is sufficient for me. As previously mentioned I live in a hot and muggy environment, for a good part of the year. So I run without side coverage for increased ventilation. Yes, I know I may get more than I bargained for, but that's the risk you take. I run a hybrid ceramic/polymer plate, which is 4 lbs per plate. You pay more but the weight savings is huge. So I have 8 lbs of plates, plus 3 mags, radio and PTT, and bleeder kit, for an all-up weight of around 15 lbs. Any more than this and you get into decreased mobility issues. You will spend around 4-500 bucks for a set of plates like these (basically civvy SAPI's) which is a good balance between price and capability.
Since I don't run side armor, I like the skeletonized design, with my small FRS radio tucked into the "other strong" side. And a small bleeder kit "strong" side. Both tucked inside the cummerbund, so equipment, in my case, bleeder kit, doesn't impede pistol draw stroke. PTT "other strong" side but tucked in away from alt. shoulder pocket. High enough so it doesn't impede mag draw stroke.
I like a 3-mag panel, or micro chest rig, which clips into SR buckles on top, and Velcro's in on the main body.
I also like First Spear "Tubes" closure system, which is easily adaptable to most rigs.
I may also run an optional back panel, which zips in, with a 3L bladder.
So for me, this is a good system, for when body armor is worn. Ideally, I'm trying to keep this below 15 lbs, which I have found to be a practical limit for myself. This is something you may have to discover for yourself. I am a big believer in mobility being a big factor in keeping extra holes out of your bod, so instead of turtling up with all the armor you can find, and perhaps being a bit slower than you might, I believe in finding a balance between pro and speed of maneuver. Obviously this is a very personal choice.
This is worn in conjunction with a "battle" belt, which consists of pistol kit, and IFAK . Usually no suspenders; just friction fit to the hips. I use a light weight, 3" Molle belt, similar to Crye's.