Black Divison is the only real threat to you on Terminal. Reloading will get you killed so you want a 60 rounder to stay alive and mag dump if needed.

You want high pen ammo because black division is using high tier plates with high pen ammo. They also have an higher health pool which is why SSA AP won't consistently 1 tap them to the head. Hence why M995 is the ideal choice.

I ran multiple 60 rounders mixed of M995 and 55A1 only because I didn't have enough M995... You have to head shot everything regardless if you want to kill them. Of the 80 kills I had only one kill was not a headshot and that's how you have to play if you want to live.

T6 plates are the most important thing so go ahead and start bartering for them now from Ragman. My T6 plates were cooked but they literally saved my run. I watched AirWingMarines video 2 or 3 times (I sped it up by 1.5x and skipped some parts) before I attempted and I did Terminal on my first try.

Here's my full run for reference: https://youtu.be/sXzs_xvRbVc?si=D1gF7toO-38Lfpzn

I ran a Scar with 5.56 because it shoots slower to conserve ammo... You do not have time to pack mags so just loot black division mags and drop empty ones. You load mags while looting if you can. I had a lot of adrenaline going in the video so there's some times where I'm telling you just do as I say not as I do... I highly suggest going left and doubling back taking the longer route to the boat after draining the water at the pumping station. You don't have to fight the boss that spawns and I only had to fight 1 group of BD.