I'm playing on "normal" difficulty, am currently level 13 with Guns at 70. Most enemies take most of my shots unharmed with their Damage Threshold. I'm mostly using the Grunt weapons with the perk. I have Hand Loader but have not looked into the effects of the different kinds of ammunition yet. I suppose they can make a noticeable difference. I mostly use standard ammunition or surplus. My secondary weapon is Chance's knife with Melee at 50.
I'm sometimes using up to approx. 100+ bullets on single enemies. How can I get more damage out of guns?