Also, re 'civilian terminator armour' - one good thing about Daemon Hunter is that Malleus Terminator Plate is in no way inferior to the astartes version, one of the only times this is the case.
Malleus Terminator Armour: AP 12
Astartes Terminator Armour: AP 14
Technically, the difference is even 3 instead of 2 AP, as the Malleus Terminator Armour already has the Best Quality modifier built into its stats (as specifically noted by the book), whereas a Space Marine still has room for improvement and can bring a suit of Terminator armour up to AP 15.
FFG's rule of Astartes Superiority remains unviolated.