As I'm usually playing at all indoors CQB sites these days, my need for a camo, webbing and armour has been somewhat reduced.
This was the first loadout I came up with. Cheesy American daytime cop dramas and crime shows provided the inspiration.
SIG-Sauer P229R, X4 15 round magazines. If I need more ammunition than that in a game, I've done something very wrong. Swiss-arms flashlight Point Blank overt/covert ballistic armour, rated to 7.62mm AP rounds (£10 on eBay)
Civilian clothes of choice (currently various shirts and jeans or black/navy combat trousers)