You see... as far as my understanding goes, generic NPCs get their things from the appropiated LL. What I've been wondering since TM:FO3 is why hasn't anybody added the things to LLs. I can't do it (University, having a social life... you know. Joke; I just am not able to do it) so I'm writting here my idea so people can get it.
The thing is easy:
Leave as it is the basic clothing and armors stripped of their TM parts, so npc's get at least dressed (except PA, of course).
Then add LLs appropiated to their factions with things from tailor maid they may have, such as pauldrons, ammo belts... or may not! and then they don't have it! Of course, VendorLists should be addressed as well...
For example, no citzen of NV would look the same, and the merchants would be different from their mercs. Caesar's Legion would look more like a united ammount of tribes and NCR would look more like an army with supply troubles; Great Khan would actually look like a tribe, not like clones of the YMCA biker, and Boomers would look like they would have actually scavenged their way into the base. I think you get the picture by now...
With this you have a very varied wasteland even within factions, making enemies quite unique, and their attrie, having bonuses (maybe negative ones as well?) would even ifluece their deadlyness.
I think it's a nice idea (obviously, or I would have shut my mouth...) and I hope someone understands my poor expression capabilities.