Don't get me wrong i am not absolutly against upkeep, as i find it really good that we are done with the all on plated charger all in plate armor times.
Joker, i think i wasn't complettly clear on the usage points
Say medium tear gear to high tear gear needs usage points. (perhaps the name can be better)
It would work like everyone has like 100 usage points.
For example:
A plated body armor would need 30
A light Kuyak would need 15
A mail Shirt would need 10
same with every other gear to a certain lowest limit.
everything below doesn't need usage points and also doesn't have the timers.
You can only buy limited gear all in all up to 100 usage points.
Then you create your sets,
When your good limited gear runs out of time you switch automaticly to either other limited gear if you have enough usage points invested into that
particular area of gear type or your low level gear.
So basicly it is the same as now, that people switch between different gear, only that it is not done by gold restrictions which are often dependent if you get lucky with your team or the time you play regularly for a longer amount of time.
The timers won't reset if you don't play for a while, every round there is a tick added to the timer till the restriction kicks in and you need to use a different gear,
but as the server provides you with the basic layouts of your gear set, you don't have to configure it all over again ingame and loose time.
EDIT:
This would balance the players who have already huge amounts of cache and are mostly running around in heavy gear anyways and new players at the time they can afford it to buy a piece, will be able to use heavy gear regularly
EDIT2:
@Joker i just read partly about your suggestion about hardcaps, the usage points are more or less like that, and i am not against different maximum usage points dependent on what the player does invest his skill points into. That but must be done very carefully i believe as f.e. hybrids may try to gain the most usage points to increase their hardcap. To have a different skill as you suggested to invest into, would need a complete character reset, nothing impossible, but it would go against the philosophy that players should live with their choices they done while leveling.