I think he's saying that one set of good armor would come from the family, but it can only be given out once, for free. Not that someone would use family gold to buy the armor.
That was my idea, yes. My objection to unique items is, well, decay and loss. I'm just not interested in RPing into non-permanent items. Tried it for a while, managed to keep one or two items around with great significance for a while, and then they just...Are gone.