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But definitely go ahead and open the Vault.
It is a great set of armour. Well worth getting.
PSA: Whatever you do, don't waste the bullion on the helmet. It is only cosmetic and doesn't have any armor functions at all.
Everything Minerva sells is discounted compared to its normal price. So buying from her when she has the things you are after in her rotation is smart.
However having the vault raid done to not only get the extra bullion but also to have full access to everything Regs has when you need it is also a good idea.
If you do not have the bullion to buy everything now then i would get the most expensive pieces now and get rest of the pieces and mod plans from Regs or Minerva later.
As BizarreMan says do not buy the helmet unless you want the complete set for completionist purposes. You do not need it for legendary perks that require a full set of armour and it does not do anything beneficial that other free head wear items already do.
Yes I thought it was odd as I was only there a couple days ago and she did not have secret service armour only covert scout. Too quick for her to switch to a new inventory.