Armor pieces chest,legs, head for UE4 skeleton

Hi , I am working on a survival game and I am trying to get general ideas on where to get equiptment skeletal mesh’s (armor for legs , chest , and head),that will work with UE4 skeleton . If one gets some FBX models somewhere , it seems when imported to unreal they are not compatible with the UE4 skeleton. When I looked on the marketplace , so far I have not seen anything that is like a " survival armor " pieces . There are some characters that have some modular parts , but it seems I see a lot of “medieval " type things . Do these things need to be made in a 3rd party program like " blender” , or are there actually some ready made pieces that would work ? Thanks for any help

the other things I been able to change out , but the armor mesh’s seem more difficult because they need to go on the character , fit , and move with him.