I think that Randomly bandits and survivors should spawn and make camps at POI's and there would be bounty on Bandits , you could trade with survivors or if you have a Land claim Block you can recruit them and they eat your food and they can follow you.
and there would be 4 factions
Survivor: ARMOR: any they can be friendly or hostile and can recruit them
Bandits: Armor: Scrap , Iron and Steel. Hostile but some can be friendly if you do jobs for them. you can tell if there bandits because they have tons of tattoos and they are meat heads. and do Raids and patrols the more you kill the more your wanted. quest: Bounty's , raids , Ransom , Delivery , Clear
White river: armor: Any. Group of survivalist that teach and trade with people. Some you can recruit and they are the best of the best.
and they can give Quest like. Deliver , bounty's , Clear area , pickup and Drop off, and support.
Old world Remnants: Armor: Hazmat and military armor. a group of Old world Sentient , solders, Police and swat Team's that try to make everything bake to normal. quest: Clear areas , Salvage , Recovery, Supply run.