5e has a bunch of armors that have zero mechanical reason to exist - except that they cost less. So they have to justify it some way.I generally prefer a B/X model where it can be starting equipment and the PC can stick with one look through their adventuring career instead of upgrading to different suits throughout.
5e decides otherwise and puts plate at the top of the normal pile but out of starting equipment range.
Umm, you're buying Breastplate (400gp) or Half Plate (700gp) at 1st level?It is annoying to have plate mail be the one thing money can't buy at first level and pretty much the only thing money can really upgrade later in the game.
I'm the same way.When I have characters start at 1st level they get starting stuff and we see how it goes. If they come in at higher level I generally say have whatever mundane equipment on your person you want including plate mail if you want.
It's not. There are several affordable Heavy Armors.class features should not be gated this hard by mundane equipment.

(Dungeons & Dragons)
Rulebook featuring "high magic" options, including a host of new spells.