I'm in the low 30's and don't have max traders yet, so I'm (kind of) careful with spending. I'm usually looking for good deals on things, and lately I've been favoring the AK-103 with BP ammo. More specifically:
Head: Highcomm ACHHC (cheaper than ulach)
Face: Either shemagh from Ragman 3
Eyes: Anti-frag goggles
Chest: Tactec, FORT Redut-M or IOTV High Mobility
Rig: Direct Action Thunderbolt (lightest 16 slot rig)
Primary: AK-103, 7.62×39 BP
Back: M870 shotgun (sawed off barrel, lightest build), Flechette
Sidearm: None (using the shotgun in it's place)
The m870 is probably the jankiest part of the build, but I've been killing people left and right with it. It's almost always a 1 or 2 shot if the AK-103 runs out of ammo – and it's typically a quicker swap than reloading (I think).
What have you guys been using?