May I be so bold as to offer a suggestion JoJo (Everybody has an opinion) - Take the money you would use to spend for the surplus vest and mag pouches and put in an envelope. Then as finances dictate add money to that envelope until to reach the level of funds needed for the vest you really want.
Being retired, MrsMac and i do that all of the time. My personality is one that if I settle for a lesser item, I am never truly happy with it.