We see them have backpacks or bags but rarely do we see what’s inside. They definitely don’t have clothes since they don’t change into anything. Maybe food,water,ammo but they should have more. Or sometimes there packs are too light like they don’t have anything
Possibly sometimes they’re carrying it just in case they find something worth bringing along.
Could be, but they don’t always loot for stuff unless it for plot. They usually are given stuff from other survivors