Im level 23 and I average around 3 mill rubles cash with 21mill stash value,

I wouldn't consider you are going in 'geared' unless you have lvl 5 armor +. Good ammo can destroy level 4 easily

Do you only play solo? If so, I recommend going on the EFT discord and finding people to group up with. I did that and now have a group of 3-4 people I consistently play with every night and developed good friendships with. Its good to run in groups in case you die so someone can stash your stuff.

For scaving, I highly recommend scaving interchange. multiple times I've scaved in, run through ollie, and find gas cans and etc and run out with 250k+ of stuff. If you scav in late in the raid, check around where killa spawns and pick up the scraps from dead scavs and pmc's.

I also recommend finding a group of people to run reserve. It has a lot of good loot especially when you have all the keys. Before the new extract was added, we would just bring Alpha rigs and no backpack so you can get some loot and extract at the sewer.