I'm not entirely sure what you mean by areas but I completely disagree with A. If I was searching for food I would search in the supermarket or bars, if I was trying to fix a car I would look for industrial buildings or if I wanted to gear up with military loot then I would go to military zones.
If all the loot is randomly distributed you would cluelessly run around searching every building and wasting time. But with specific loot at specific locations you have a real objective (where to go, how to approach the area etc.). This adds depth to the gameplay and creates choke points (e.g. hospitals, military bases).
For me it also breaks the immersion when I find something that definitly doesn't belong to the place where I found it.
C: Althoug this would be a bit more realistic it's not really necessary. You probably would be very frustrated if you found a gun but couldn't use it or even repair it. And in the end it's just bad for the performance.
