OOO, you do realize that every time you add more options to starting armor, someone is going to revive that petition topic about allowing us to redo character generation, right? Here's my take. Make some kind of one-use item that lets someone run their character through knight creation again. Everyone gets ONE. (Say, make it a mission reward upon entering Haven or for 2-star Hall of Heroes certification.) If they screw it up, let people buy another one for a bunch of CE. (Either way it's bound, of course.)
We get to rebuild our proto armor, you guys don't have to hear people [tart] about it and you can sell people more CE. Everyone wins!
This.