I thought about it last night and real zombies would not be carrying a bunch of junk. If we all turned to zombies right now, what would we find in our pockets? Not much. Some people may have a backpack on with supplies they were carrying to bug out and then died and became a zombie, but not many.
The POIs contain the loot. Zombies block access. Kill/evade zombies to get at the loot. Yes, on your 100 dude server you would need to increase loot respawn or a bigger map, so you can drive farther to find stuff.
Bones from zombie corpses? Maybe corpses could stay around longer, it would look better, but on bloodmoons we remove oldest ones, so FPS does not tank? Would I really want to hack up zombies ever? Good way to get infected. I think more animals would be nice, to get bones and fat, with zombies killing them, so you need to thin out the zombie population to encourage more animals to survive, but if a zombie kills a boar, could you not just kill the zombie to loot the boar corpse? Lots of ways you can go with this.
Much testing and tweaking to go.