I argue personally for me, my main issue is with crafting and not loot. My opinion is that loot is more abundant and this on a server with the default setting of 100%, and that's just due to the dungeon POI's and quests. I have all that loot but nothing to do with them other than scrap them into raw materials, sell them to a trader, sell them to NPC's via those rentable vending machines inside the trader settlement, or sell them to other players. Eventually, on my playthrough I have a stockpile of acid, what I exactly do I do with them now? Use them to craft a bunch of vehicles that I can't sell? Also, if you did have alternative crafting recipes for things like acid or raw material components. It would open playstyles for certain roles like those who decided on becoming the resource gathering, they could gather those materials in the previous quote, and decided whether they would rather take the risk of going out or spend time at their base crafting. I would find that as a survival challenge, you can choose to spend time waiting for something to craft but IF you go out and loot, you would find ammo, and other things necessary to survival.