A couple of good ideas and bad ones already. First off if it is for work you need to find out if your are covered if you are injured wearing armor that is not certified by NIJ and currently approved in their website. NIJ certification rules out any steel armor, because none are listed as being NIJ certified. Yes workmans comp and insurance can be petty over the details. My department requires that all armor used be NIJ certified
You want Lvl III/IV ICW ceramic plates that are NIJ tested and certified. The price goes up as the weight goes down. Highcomm is a good starting point with their SAS-7 LVL IV plates.
For the PC going over soft armor get something basic like the First Spear First On, less than $100 from SKD with built in mag pouches. Can be thrown in in about 2 seconds over your uniform. What I put my plates in when in a uniform assignment.
I run a PIG PC with IIIA soft armor inserts in plain clothes. My plates are Point Blank ceramic III/IV ICW. It took me about 5 seconds to put it in responding to a barricaded suspect from court a week ago. The PIG is the most comfortable armor system I have ever used.
Keep your load simple. All you need are 2-3 AR mags, TQ, and IFAK. Everything else should already be on your duty belt. If you are preparing for Mumbai keep a bag with more mags, water, food, etc. you won't need the weight for 99% of LE calls.
Good luck,
Rob