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I have been wanting to get a plate carrier and body armor for a while, but never felt the rush to get it when I didn't have the money. I want to get some now with the looming possibility of not being able to get it in the future. I have a question for you guys more experienced with body armor. I am debating between steel and ceramic/polyethylene combo. I know the later is more expensive but very effective. And I know that the steel has superb multi round resistance, but can start to have more spalling from the bullets after a few hits. Would placing a Kevlar insert over a steel plate greatly reduce the amount of spall I would get while increasing it's protective capabilities? Or would I be better off just spending more money on the ceramic/polyethylene combo plates?