@Mystic and CanRay
I'm the same way with gear choice and placement. I've done it with 3 separate characters now that I've created for our current campaign, one of whom has yet to even see play other than as an off camera NPC. To be fair, for all three it makes sense. My main character is a stealth focused street sam and I figured that the best way to store all his gear was in pouches and a backpack, all of which use separate padded sections for his gear and attach to his chameleon suit with gecko tape (and are chameleon coated themselves) The layout was one that made sense to me without ever being able to try it physically. The second one was a pixie that had some gear to carry so I had to figure out somehow where she'd put it on a run, and the last one was a former corpsec high threat response troop that again did the pouches thing (or not, depending on his armour at the time) and had all of his weapons gecko gripped to just be able to stick them to his armour rather than using a holster that might get in the way. (He also has heavy milspec and an HMG.... but mostly wouldn't be using them)
Of course I've also gone with the sloppy route with some characters, generally when that would be the personality for that particular character (My samurai themed ganger for example). But even then I generally have a decent idea about where there gear is on the body.