I have a couple soft (concealable) vests and four hard armor setups. For soft armor, bulletproofme.com has some good deals and a LOT of good info. For hard armor, my original two were Osprey ceramic setups, but being surplus purchases, it's hard for me to completely trust them. I got them from a well-recommended supplier, but there's no way I can 'know' for sure that the ceramic plates in them are both genuine and completely intact structurally. They seem to be and probably are, but fact is, short of x-rays I can't know for certain. I mean, as far as I can tell by researching the details and markings of the plates, they seem genuine; but even allowing that, there's no way I can know for certain that they weren't handled roughly enough to create micro-fractures in the ceramic material that are undetectable without x-raying them all. And that was the kicker for me personally - being ceramic, there's no way I know of to test their ballistic properties non-destructively.
So a couple months ago I bought a trial set of steel in a plate carrier, and liked it so well that I recently bought another set. This last set is intended to be my personal setup, sized (11x14) and set up for me personally. One advantage of the steel is that they can actually be tested via rifle fire to determine their function. I haven't tested my last set; just received the plates last week and haven't had time to layer them up with extra thickness of spray-on truck bed lining for spall testing (really 'fragmentation' testing if I understand correctly) at the same time as ballistic-property testing.
Steel is heavier than ceramic, but steel lets a person test - and therefore know - that his armor really is up to spec. And with steel, you can get a set of lined plates and a carrier for under $300 nowadays if you watch online opportunities.