Stitchbitch, you are too kind to the government/military!
My worry here is that aircrew simply buy an off-the-shelf broadband system, unsuitable for their purpose. I know of at least two well-known ANR manufacturers who completely toppled when told their broadband systems, typically used in the back of army vehicles or for passengers, wouldn't get past first base in any aircraft design review. One in 1994, the other in 2012. I could understand the first, as it was early days, but the second was alarming.
The last air ambulance I was in, in 2001, they used HISL helmets. (Hereford & Worcs). The same company would provide their helmets with the superior MoD ANR fitted, subject to the survey/approvals mentioned. I know that in 1996 the cost of a made to measure helmet increased by about 30% with ANR mod. You make a good point about self-funding kit. Although I shudder at the attitude of employers who expect this.