I think limiting transport is the best way of limiting gear. Armored vehicles can quickly become albatrosses anyway. A party of six limited to a hummer and 3-4 horses won't end up with that much gear no matter how much money the have. The hummer will have to tow a still so they've only got what they can stick in the back of the hummer and on the horses. That also pretty much limits them to two heavy weapons. Say a MG on the Hummer and a RL of some sort to back it up. That's a perfectly servicable group that should be able to take on a lot of what they'll run into, but will need to use their heads too. For particularly large groups, maybe they get a LAV-25, with a wear value of about 8.7.
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