It seems fair to me that if a character is rated (i.e. skill 1+ with a weapon) they could chose it as a muster benefit (the old muster out tables of Gun, Blade, etc.) subject to homeworld law level.
So, in CT for example, a character with Laser Carbine skill from a Law Level 1 world could upon rolling Gun while mustering out have an old Laser Carbine and Power Pack. I should note that I reversed the CT muster rule of taking skill with a weapon from after chosing a weapon of 'type' to before, so if you have no skill you can't have that weapon but you could pick up the skill first as a muster roll and if lucky with another muster roll then get the weapon.
As a special bonus I also allow on a muster roll of Gun that a player with Vacc-Suit 2+ from a Law Level 0 world could chose to have an old suit of Combat Armor or for the cost of losing one more muster roll they could take home a suit Battle Dress. I chose skill level 2+ in this case since level 1 was like level 0 for the use of them.
So it was possible but extremely unlikely for a character to muster out kitted up with some Battle Dress and a Laser Rifle in my CT game. Of course if they were not from a military service I'd expect a very good backstory to how and why they have it. I've made similar house rules for the other variants and will have to do so for T20 too, soon as my book gets here.
So is Dr. Skull stingy? No. I'd say he's showing good judgment as a GM concerned with his game's balance. Are other GM's too generous? No. Not if it all balances out. If the players have access, even limited as I did, to heavy gear then you can bet I've graded all the npc's on a similar curve
so someday you'll meet a group that may just have superior firepower, and if you don't exercise better tactics you might be