You should find a higher quality vest before using good super steel plates. Go join the institute and see if Efreitor Hannah has anything for you. If you went with Protectorate instead of Drones, visit Kevin a couple times. They should be able to get you something better than 125. If you've got good mercantile, they should have stuff over 160, but at the very least they should be able to get you into the 140s. You won't need your best armor at first in the Institute, so save those good plates and scrounge up a better vest.
As to which type to use, I'd rather have Regenerative Vest for any build other than a Survival Instincts build (or, maybe, possibly, perhaps a Super Slam focused build, but that would be very niche), rather than a Sturdy Vest. Regen Vest on the actual final boss fight is invaluable, unless you're so powerful that it's irrelevant anyway.
There's not enough electricity damage to justify using galvanic in your main suit. You can get all the bio resist you need by carrying around a gas mask (or, if you've got Expedition, which it doesn't sound like you do, some of the expansion gear).
