Rank 1-3 flak/ carapace if given automatically
The only PC options that start with armour better than Guard Flak are some of the Alternate Ranks from later supplements, and many of these are effected by rampant 'power-creep', so be sure to keep an eye out for that. Even the fans of the Crimson Guard Alternate Rank from The Lathe Worlds , for example , don't try to claim that it is fairly balanced against the other Rank 1 Careers...
You call it power creep, I call it "original DH baseline characters are pretty much squishy crap compared to what the Black Industries modules throw at you, let alone FFG modules/bestiaries."
I don't put on restrictions beyond what they can find with Availability modifiers for the world they're currently on. It's not game breaking to allow shopping trips when on, say, Scintilla or Malfi, for the rarer stuff (which is also quite expensive, and acolytes are hardly rolling in gelt). Carapace isn't remotely overpowered if characters are going up against Slaugth. The only truly overpowered stuff is Sororitas power armor, and even that won't save you against a lot of non-mooks.
Slaugth are not intended to be Rank 1 Adversaries; by the time it's appropriate for PCs to be running into the Maggot-Men, they should be able to afford to buy their own Carapace armour.