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Also is it true that if you have armor from another campaign you can not add insignia’s? You have to have purchased the nightfall armor?
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That is true, however, after having applied an Insignia, Elonian armour is no stronger than armour from Factions or Prophecies.
For example, a base piece of Warrior armour with a Radiant Insignia applied will be just as strong as a "Gladiator's" piece with the same AL. The only difference is, as in Factions, you aren't tied to one appearance if you want a specific mod.
As for Insignias, they're still really rare. Everyone is hording the better Insignias for use in their own armour, and the Rune Trader's stock is still running out quite frequently. If you're lucky, you can find the Insignias you need from armour drops (The same pieces that can have a Rune attatched can, in Nightfall, have an Insignia.)