How much should i invest for a proper loadout?

Level 4 armored rigs are around 50-60k rubles
Some people say helmets are useless because our eyes are magnetic or something
I usually run with TC-2002 and a balaclava for drip and a m32 headset
One half condition ak-74m with rk-5 srvv and walther red dot with moe handguard, bastion and saw pistol grip and stock pad costs me around 100k
This loadout costs around 200k and i usually have like 1.5 m roubles cash on me.
Not to mention that i suck at pvp.
So what should I wear/use? How much should a mid tier or budget weapon cost? Any cool weapon suggestions?

Edit: I forgot to mention about ammo. I use 5.45 bt or bp if I feel myself poor for spending 80k roubles for proper ammo. I was using pp rounds when I was 25 lvl.

Edit 2: I never use grenades. Not too practical with them. I put salewa and Vaseline in my pouch also a doc case for keys. My pouch is beta at the moment. Punisher part 6 is unlocked but currently I am too lazy/poor for running with svds. Also mmac doesn't cover stomach so I am a little bit scared from using those

Edit 3: Thank for the advises. I am thinking about my new loadout. Probably going to leave 6b3tm armor and use mmac. Also it has more space so I would be really good. I will try to not use scav weapons. Actually may use rfb since it uses 7.62×51 and requires less modding. But the rfb I tried to mod in preset costed around 150k. Mmac are probably at same price with 6b3tm so I don't have to worry about it. Helmets are pretty good but also they have face protection issue at least my helmets. But extra protection doesn't hurt anyone except my wallet. No one mentioned about head gear so I guess m32s are okay. I may use shotguns. Well modded saiga with drum mag costed me 120k so they are added to my cheap gun list. MP-155 or mp-153 are way to go for cheapest. I will check my options tomorrow and try to find the most suitable way for me to play. Also may look for different and effective routes for extra bucks.

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