I have quite a few sets.... I think (7 or 8)?, along with one or two armored belts, and the full gammut of side plates, arm protection plate carriers, and plates.
Really, what you have depends upon the use you're expecting. For civilian use, I think the very rare case where body armor is needed, would often be ok with a concealable level IIIa vest.
However, when you need it, nothing else will suffice.
Biggest thing with body armor, do your homework, know what threats you face, what type of armor suits your needs best, and what to avoid. There are plenty of Gimmicks out there like Dragon Skin that can cost you lots of money, and then get you killed by something a comparable vest would stop. And lastly, be realistic. At work I may wear a level IV+ vest, with side plates, and an armored belt with plates. As a civilian, you'd just be wasting money to buy what I carry. Get what you need instead.