I found this very annoying and I found no reason why it woulden’t be this way, but I think metal plating should act as an under armor, which you then can place clothing over top off.
For example, the snow and camo jackets would make great covering for the armor, which would conceal it for other players.
Please consider adding this as having to choose between a non-armor clothing or metal plate is mind boggling dumb. What’s the point of having extra slots in the player inventory if you can’t cover up???