You are spot on @GazzaGarrattin DMZ you really can't be too attached to your kit sooner or later you will die and lose it all and to be honest its extremely easy to find a 2 plate and a medium backpack, and 3 plates and large backpacks aren't exactly difficult to come across also. Getting your insured weapon back is a bit more difficult but you can do reasonably well with the guns dropped by the AI you really don't need a meta loadout in DMZ to have fun.
I played a game last night and someone got extremely angry as I killed him, but if you look at the circumstances he could have avoided it, he was looting within the Weapons case area my squad was hunting the juggernaut and I had popped a UAV tower in the area, he should have left he knew that an enemy squad had a UAV nearby but still choose to remain moving from building to building looting yet expected us to just let him get on with it. Its a PvP game mode and many of the missions in the game require you too kill other operators.
I don't quite fit the poll conditions anymore as my playstyle. I'm still at the "I'm not afraid - I don't look for a fight but if I come across an enemy squad I will seek to take them out" but with the exception that I know which fights to avoid taking if possible. My example above being one if a squad pops a UAV in the area I'm gonna bounce as they have the advantage. I probably need an "I'm Sensible - I know when to avoid or engage