I use Bradon, a grumpy Squat (Ok, they're all grumpy base value) and his crew that runs Munitorium D at the Tricorn where the players can request/borrow/buy equipment.
Basically, the players at first can only request items up to scarce availability. So forget about getting that carapace armour and that boltgun at Rank 1. With this that means they don't need to loot everybody they see of raid every armoury they manage to cross. Also, I get to control, via Bradon, what the acolytes have; sure they can request 100 frag grenades, but that doesn't mean they'll get it. They'll get a few and that's it.
Then, to keep with the 'living world', they got to fill a form with a literacy test. Like I said in another post, they can roll how much they want, it's not super critical, but they'll waste in-game time doing that, and time is generally of the essence.
This allowed them to save up their monthly pay to buy some fancy gear (good/best quality stuff or implants, top tier armour and weapons), giving them the idea that they are part of a large organization and also giving them a counter where they can buy their gear without having to run around in the Hive trying to find a store who got it. Also, as they are in the Tricorn, they can walk around with melee/pistol weapons around, but basic or heavy weapons are frown upon; This is the Imperium after all, no one walks around unarmed, but can't have some possible unstable person walking with a heavy bolter or flamer around.
Also, The players have an apartment in the Tricorn, something basic at first (common room/kitchen, simple bathroom, 2 bedrooms with 2 beds each, basic rations) and as they get higher ranks, this also gets better (Added a TV, secured vox line to the outside, small workstation to mod their guns or to fiddle around with tech, prayer closet, better food and accommodations)
I also given them the chance to train during their down time, as not everyone was interested into the alternate ranks, and well, like it or not, they're part of the =I=, so only natural that their Inquisitor made sure he had qualified personnel at his disposal. Of course they only started with the basic courses, the rest was available at later ranks.
So that I don't have to type it again, this is how I do it my game; now the players are about to go into ascension (after this current mission) and while they do have fancy gear, most of my player's items are either
1-Job based, like the Arbites having Arbites armour and his Vox Legi shotgun, or the carapace armour and plasmagun of the guardsmen
2-Best quality version of 'simple' weapons, like best quality stub automatics with some bells and whistles (silencers, red-dot, manstopper rounds) or/and best quality blades (non power, just mono)
3-Intergatred Lathes las weapon for the Tech-Priest. Because Cult of Sollex and money.
4-Xeno items taken along the way, in this case, Eldar flip Belt.
5- Requisitioned for temporary use- in the case I'm talking it was a boltgun for the Arbites and a combat servitor armed with twin-linked heavy Stubber for the Tech-Priest
6-Standard gear, like booth knife, las pistols, extendable baton, vox-caster, photo-visors, cameleonite cloaks etc etc...
Keeping in mind that I run mostly an investigative campaign, so combat is not central to the game, but more something that happens along the way (I try to encourage, for lack of a better word, my players to use stealth, smarts and discretion rather than brute force- but when the chips are down they can handle themselves quite well) While most of them got hurt alot, it was mostly thanks to ambushes and bad luck rather than being shot point blank with an autocannon.
And for the record, I use the DH system for combat, money , psychic powers and the like; the BC/OW system is for BC/OW, not for DH.
Edited by Braddoc, 04 April 2014 - 09:59 PM.