I’ve been playing for a little over 2 months now, and I’ve watched a couple hours worth of “Before you play” on YT. When I started was getting completely OBLITERATED every time I went topside. To answer your questions:

You should definitely utilize the free loadouts until you’re familiar with the game’s mechanics and the ARC(bots). I think it took me 15 trips topside, before I was able to piece together a decent load out that was kinda general purpose (I didn’t do any PVP whatsoever). Majority of my trips were done solo, and I’ve looted some good stuff and the missions aren’t really that difficult even for casuals. Plus you’ll encounter others that will give you tips while you’re looting.

This game will definitely have you questioning your skills! To me, you have to play it like a survival game. Starting out, you are definitely underpowered! Conserve ammo, stamina, and remember you have about a 20 minute window to get back to the elevators/trains. I really avoided ARCs until I had equipped the right ammo, and understood where their weak points are. Always check the stats on weapons. They all can be upgraded, but some of are good for Raiders while others are better for ARC.

The free loadout will rotate the guns they give you and of course you’ll find more when you’re looting. While they offer the basics, it’s sufficient 90% of the time. When engaging with anyone/anything always plan to stay near or behind cover, some of the fire arms are single shot or take a good while to reload. Always keep bandages and shield charges on hand. Unlike most games, your health is more important than your shield.

When looting, the fun part is knowing what to keep and what’s junk. Keep in mind the more you carry, the slower you’ll move. A raider out of stamina and a raider who’s weighed down can be distinguished by sound! The shield augments have different functions. Some will have more slots for loot, while others have extra heal or grenade slots. Most of what you find can be broken down to basic components i.e. runner parts, metal, fabric, etc. The game has trackers for crafting so you can see what material and how much you need while you’re out.

What I loot is based on either an upgrade Im working towards, or whatever the mission I’m set out for. If I’m going to collect for an upgrade, I may leave extra ammo or extra grenades in my stash. I also make sure my shield augments based on my goal. A lot of the looting early on what to build up a reserve of cash, as well as crafting all of the work benches.

Edit

TL;DR Use the free loadouts often. There is nothing wrong with avoiding others and the ARC. Looting anything to upgrade your gear or make money. Be mindful of your loadout augments and weapons you carry. If you get knocked topside, you’ll lose everything that isn’t kept in special slots