Over equiping? Well I tell you now, I have a level 70 agent who wears level 100+ tech armour. He has a QL125 gun.
He cannot solo 60% missions, some of the mobs are so tuff its stupid and you want to downgrade my weapons and armour? (well he could solo 60% missions if I wanted to spend hours on the mission for just 30k plus a crap rubber sleve for the mission reward). Also concealment is still crap. Today out of nine 75% missions I could only sneak and complete 4 of them with nearly 1000 concealment.
So to sum up my level 70 char with level 100+ armour and weapons with nearly 1000 concealment and buffed to the max useing all the advantage of false profesions spent 5 hours on 9 missions and completed ony 4 with a total of around 120k credits at the end of it and a few crap mission rewards. What can he buy with 120k? I spend 40k on restoking nano, treatment and first aid kits that leaves 80k. At level 70 80k is peanuts.
It seems to me the higher you get the harder it becoms to mission and earn cash.
Also you have to consider the people that kill there way through missions to earn cash. They mission for cash to upgrade there char. By the time they have enough cash to upgrade they gained so much exp in the missions they have now leveld past the stuff they were saving for. So they spend all their gametime in an endless circle of missions, saving for and outleveling the very gear they are working towards. No thanks I hate missions as it is. Not worth doing in a group the money is even worse, and it's boring to mission alone.
If you are making the game harder because of the exploits you are going to hurt the honest players even more.
It seems to me that between your bugs (many of witch should of been fixed before realse) exploiters and game balancing you have got yourselves into a right muddle. The game is to complex, maybe you should remove some of it to simplify things a bit.
I think that to fully disable weapons and armour you do not have the skill to use is a good idea. Leave all the other stuff as it is. But if you do this mobs will have to be made easyer or the game will be imposible.
Exploiters? Well thats a nest of vipers I dont want to put my hand in. They are here to stay, your current system seems fine. I think the most important part is to block the exploit as fast as possible.
And lastly, make test server more accesible. Allow us to increase our skills and levels at will and leave the patches on there longer.