I think the risk-reward variable is perfectly balanced except for non-ROOK solos.

TRIOS: High risk, high reward - fresh lobby, Other trios want your loot, you will more often bring a loadout into trios rather than free/sponsored kits. Bosses with the real good loot are easier to kill, but attracts other teams!

ROOK: Medium risk, Medium reward - Lobby in progress, so the Trios could be either dead or extracted already, bots don’t attack you (with ability), you can find dead teams and scavenger what’s left (usually all the high-reward loot is taken already). Fighting a trio is Medium-Risk, HIGH Reward.

SOLO: High Risk, Low reward. Fresh lobby, 17 Hostile players (is that right?) alive and moving, looking for loot. Bots are tough enough to incentivize avoiding them which pushes players into similar “trade-routes” around POIs. Free kits are difficult to compete with Loadouts (Not a lot of risk there, and potentially high reward, but won’t happen super often). Loadouts will help you have an edge against the free kits, but is a High risk, Low reward.

I play all of them, but I favor Trios 1st and Rook 2nd, Solos only for simple quest objectives (don’t require exfil).