The Banshee would be my recommendation if you need or want a cummerbund. If you don't, I'd seriously look at the U.S. Palm Defender series, because they're available with both front and read armor for very, very reasonable prices. They'll accept plates, and they make them in a large number of configurations for different weapons systems.
Anyway, I have a Banshee that I recently gave to my girlfriend. Without side plates, it fits her well. There is a lot of adjustability to it. I'm just shy of 200 pounds, 6'5" and I was pleased with it. She's about a buck ten, 5'2" and it can be adjusted to fit her very comfortably with and without the level III plates. I have soft armor backers for it, front, rear, and both sides.
I would recommend spreading out the cost by getting the carrier and soft armor and then plates in the future if cost is a concern.