Did you know that all loot chances for non-GMs are basically the same? If you go looting in the End Zone, the chance of looting a armor or weapon is the same chance as looting near Nastya's Holdout. It's just that the weapon you loot will be better further into the city and worth more money. Unlike for GMs, they get extreme loot chances. Looting weapons and armors are basically 50%. Non-GMs are about 20 to 25%.
So if you're a non-GM, it's all about luck if you wanted to loot weapons and armor.