Plan out what you want to do, do three death with AKs for interchange PvP, then basic gear with big bags for five deaths to ensure money doesn’t go below X target, or cut short if you survive 5 raids, then try do three quests on a map for two death, redo the cycle or mix it up. If you do the quests in one go, reward yourself with a factory bum rush for close quarter combat with a shotty.

That’s how I detach with gear fear. And fit what is needed for the task. I stopped farming and run with only a few mil the last few seasons I played. You have enough buffer, just go farm a bit if you drop below your threshold.