Assuming we flesh out the existing opinion/trust system a bit more, improve the equipment evaluation system somewhat, and get a better value on post-apocalyptic barter value of items:
you have an option of telling the NPC where you want to go and what you want him to do. Depending on how what you’re telling him appeals to his goals and how much he trusts you, he might do one of the following:
a) decide to relocate to a “safe” place and watch your equipment - “you can go into the radioactive crater, I’ll stay back”
b) quit your company, giving back some of your goods - “you’re crazy, here’s your stuff, we’re even”
c) quit your company, taking everything you’ve given him - “you’re crazy, I consider this pay for working with you, bye”
d) say “sure, I’m with you!” and accept whatever scheme and gear you’re providing.
but honestly, NPCs don’t currently have the smarts to warn you when they decide to go off to sleep in the middle of a zombie infested city, nor to walk a dozen tiles to the bed at the other end of the farmhouse when they want to sleep while you’re crafting. So the kind of system of trust and evaluation that some people want is years away.