You want at least 6 tailoring and some fabrication skills to make the survivor cargo pants/trenchcoat.
My endgame loadout usually looks like:
Molle pack
Surv. Trenchcoat
Surv. cargopants
Surv. Harness
Light Surv. boots
2x Tactical gloves.
Surv hood
Army helm
If per >10 Surv facemask, if not ballistic glasses and filter mask
Dump pouches x2
elbow and knee pads.
Leg drop pouch.
Torso/leg/hand enc is at 1, so enc isnt a real issue. Mouth at 2 is just something you learn to deal with for the sake of smokers. Feet is at zero cause thats the way I like it. Not much gets through my armor and ive got storage at about 180.
I usually start with the tailor prof. as it lets you craft some decent gear right off the bat. Starting loadout im looking at cargo pants, trenchcoat, backpack, leather helm/gloves, safety glasses, filter mask if I can, steelcaps (easy to find and fairly top notch shoes with 0 enc), plus whatever other armor wont cause me too many hassles enc wise. Bone and chitin stuff is fairly high tier and easy to make. I try and keep most of my enc at 0-1 on principle though.
Late game I usually have some serious winter gear in the ride for dealing with ice labs as well.