My suggestion would be to have a Murphy scale from 1-10, where 1 is wearing regular clothes without special hoops or stuff velcroed on to it, 10 being the state of wearing heavy body armor in addition to carrying arms, ammunition and a backpack, entailing quite few straps and excentric objects strapped to the character.
When the M-factor has been decided at the GM´s discretion, a 10d is rolled a couple of times (5 for example) before the session starts, and the result is noted by the GM. All results below or equal to the assigned number equals a snag or mishap at a really bad time, and is distibuted freely during the ensuing session by the GM when he sees fit.
This way it will pay to reduce the mass of objects carried, and the GM doesn´t have to make extra die rolls during firefights, without the snags or mishaps becoming entirely arbitrary or whim-based.
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