The "Tools of the Trade" option (p. 255) is a good idea if you think your PCs need a small buff in gear without making them blow all their points on the equipped trait (though to be fair, using the rules from the Companion make spending points on the Equipped Trait much more palatable, since its effects aren't limited to chargen then).
Of course, Tools of the Trade doesn't necessarily fix the Tech Rating issue, since it only improves availability.
Of course, I'm not sure if there's a really huge modifier between having D and F tech rating. I mean, obviously there's some, but I'm not sure if its an insurmountable level. Sure, he can take a Mauser 1200 LSS, but you can take a D rated laser rifle and hit them at a range of 1100meters, where as they have to wait until they get to 740 to respond.
Their armor kit is pretty nice, I'll agree, but you can get almost similar protection from a FedSuns armor kit at just B rated tech (Or a D rated Ab/Flak Suit).
Yes, the WoB might have better gear, but its not amazingly better except for a few pieces.
And besides, an E in tech is only +3 to equipped. Its not that hard to get. The real issue is trying to get the points for Availability and legality at that point...