I think the weight of your gear should matter a lot more. If people want to carry 5 rifles they should be able to, but with a movement penalty. Some people may prefer to move slower with heavy gear while others prefer to stay light weight and only carry a hand gun. Right now there's no reason for me not to choose the fully equipped M4 with 10 magazines and a bulletproof vest. Making weight play a bigger part in the game would also open up for things like hand wagons, wheelbarrows and donkeys. That could lead to interesting options for bandits, traders and doctors.