I wear my plates as high up as I can get them at the collarbone, so my torso, or the bottom of it is uncovered. I have 10x12 plates. What size plates are you sporting?
When wearing a standard carrier I run multi curve 11x14 with a swimmers cut so the increased size doesn't mess up my mobility but typically if I'm wearing armor I'm wearing 10x12 multi curve in a concealable vest. I can wear it under a tshirt and most people never even have a clue I have it on