It’s definitely flawed in a bunch of ways, I usually play with a hardcore self imposed rule set, getting good ammo to beat armour is one way, another way is just avoiding those fights or taking medium quality ammo from the corpses of other players after the shooting stops.

There are some changes soon where armour is more localised, meaning a spray of cheap ammo to the torso still stands a chance of getting through for massive damage. It may also reduce the number of people wearing armour. I’ve not played in a while, the AI is what really turns me off, dying to a bot a mile away without warning. But that’s also part of the charm. shrug