Why can't we have both? I know it seems contradictory, but I think it's not only very possible, but fairly easy.
How it will work in my mind:
We get to pick from a bunch of gear bundles. A a hypothetical "combat bundle" contains:
M16 w/ 4x Standard (30 round) mags (FMJ Ammo) or 2x Beta Mags
M203 underbarrel attachment, w/ 5 Grenades (players choice, from list below bundle)
Class IV Duty Vest
Carry case for weapons and ammo
Give bundles a cost, based on what's in them. Character wealth determines "gear points" (a static figure, not caliber based). At the end of the lists you can include a "Make Your Own Bundle" option, which allows the players to flip back to the gear stats list and build from that list (ala Spycraft) with each item having an individual cost (again, not caliber based). Mission Caliber can instead determine bonus gear points (which means an organised player can pre-spend their own gear picks and just add a couple items based on the requirements of the mission).
You get the bundles for speedy gearing - the hacker grabs an ELINT bundle (Laptop, Bugs, etc) and the Soldier grabs a combat bundle and you deploy. Takes a couple minutes (and can take almost no time if they pre-pick). For the gun bunnies they can change their combat pack to have something "better" then an M16 and go with an M110 because they want increased range and the increased punch of a 7.62 round.
For freelance games you have a cash cost in the gear table right with the item (so you have Cost heading with 1/$500 - gear points price for custom bundles / cash cost). Still works for classes/feats with "freebie" picks. Bug Basics gives bugs with a cal = 1/3 your career level? Replace Cal with Cost.
Best of both worlds, right?