Cool! It's always fun to finish a dungeon...
Only the lead character will need the Dragon plate where that's needed. They're the only one who gets affected by... it. I don't want to spoil too much here. If you do have multiple sets of plate mail, feel free to use them. Anyone can wear it, including those characters who can't wear plate. That's a nice AC boost, let me tell you...
As for Raskalion, as long as you got the quest first, go back to Scanthril to get your reward. You may be getting confused by the numbers on the bars -- 12k, 18k, and so on refer to the quality of the gold, not the value. IOW, "k" refers to "karats", not "kilos" or thousands.
So... what's next?