Survivor gear is good. I blacklist it so I can compare it to other stuff though.
You want to balance 5 things.
-storage
-encumbrance
-enviormental protection
-physical protection
-warmth
Encumbrance is flexible, and so is warmth. You can funtion at high enough skill levels with those unbalanced a little.
Physical protection is going to determine how much combat you can take if you arent a dodgey little bee. Which the probelm with doding is you cant dodge a horde. You will eventually be hit.
Enviornmental protection is used against acid zombies, fire, special triffid attacks, etc. You should know it when you see it. Lightning is a good example. A lot of bionics exist to mitigate these.
And storage is nice to have, but nothing is stopping you fron not having this. I prefer to go into heavy battle with no storage because most of the best nonsurvivor stuff has no storage, or minor storage. More speace for me to strap grenade launchers to my body.
Of course you need ammo and drugs too.
I generally prefer to casually loot in leather armor and with a duffel bag I carry into battle. I put it on to loot after the fiht is over. I even occassionally drop it off to one side before a fight, so I can fight unencumbered.