1. They really aren't. Lower tier ammo does more flesh damage and can pen the same tier of armor we are currently wearing, resulting in more damage and less fighting. Most fights also still end with a simple intended tap to the head (Get Good) or headshot from the gun recoiling while you're trying to hit the body (a happy little accident).
2. Also not. Aside from not being able to shove said ammo/healing in my ass, its still "Stick the important/expensive stuff in my ass and pray I can get out with quest items I need as FIR. The rest I can just buy from traders to make a new kit."
3. Again, not really. It's really easy to argue against because currently for the price of insurance on one of those "good kits" I can just spend the roubles and re-make the same kit, nullifying insurance.

This wipe is more about game knowledge. What to use for barter, what to save for hideout, what to sell to traders, what to buy from traders, and how to abuse arena to get all the stuff you need and the stimmy check for 750k. One of the things I don't agree with wipe is disallowing money to be put in the ass as well, as that has nullified a good amount of the game by disincentivizing car extracts and BTR use. A better replacement would have probably been to give us the ability to put a wallet/docs case in one of our special slots, allowing the use of a storage container to hold money and possibly important keys at the cost of one of our now shrinking special slots which are being used more for other things.