This is better than having nothing. I can't justify with the Mrs spending over a grand on the setup I want, when it will just sit in the gun room waiting for SHTF.
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These are perfectly suitable for your intent.
I was actually looking into these for the same "just incase" reasons.
Now, if somebody were using these for LE, or while on deployment a better plate/armor system would be in order.
Here is some discussion on fragmentation dangers.
https://www.m4carbine.net/showthread.php?t=117335
This seems like an effective alternative to 'liner
https://www.m4carbine.net/showthread.php?t=117547
Just a note, spall comes from the plate itself, fragmentation comes from the projectile. While spalling can be a problem (see tank warfare), the major problem in this case is fragmentation, not spall. But you'd coat the back of the plate to prevent spall just incase.
The idea behind rhinoliner, which has shown to help a lot, is that the bullet punches through the liner in a near hole, hits the metal plate below, and fragments between the liner and the plate, getting caught there.
It works if money is really tight, but the outside edges of the plate can still cause fragmentation.
with bedliner material. If the rustoleum you're using is in the spray can, then I think it's way too thin, IMHO. The best stuff I have used was in a pint can from an auto parts store (gotta go back there and get the brand name). I used a small roller to apply several coats. Probably ended up being around 1/8" thick. Don't skimp on this layer!
Used, or surplus kevlar is pretty cheap. I think some Level II, either on top of the plate (front toward enemy), or maybe sewn into the front of the base rig itself might be a very good idea.
I'm gonna get some AR-500's and try it out.