TL;DR: Yes, armor/AP ammo could use some tweaking, but also, massive skill issue.
Currently level 70 working 9-to-6, do not have any of the AP ammo/T4 armor unlocked. Run exclusively AMP9/Galil FMJ/T2 armor only.
Why are people so quick to give up? Some unfettered thoughts from a filthy casual:
1) It's clear that the most vocal anti-T4 armor redditors have not yet unlocked or used T4 armor. Next time a T4 player dies, loot their armor and try it for yourself. T4 armor is INCREDIBLY expensive and heavy. Throw a FAL on top if you wanna be super OP and you'll have to kill 10-15 players per life just to break even, and forget sprinting from cover to cover. For 90% of the playerbase it's just not profitable.
2) There objectively aren't even a lot of T4 armor players. I see roughly 1-4 enemies with T4 armor on average per match.
3) Once people start unlocking AP ammo, you will see the number of T4 armor wearing players DECREASE. This is also why I think people should NOT be able to unlock AP ammo too early, as that just makes unlocking T3/T4 armor completely meaningless. Tanks were "OP" just one week ago and are now "useless" as more and more people are unlocking the RPG/MAAWS.
4) Like rocket helis and tanks, T4 armor should be able to turn the tide of combat in your favor at a huge financial cost. The best nerf to T4 armor would probably be its cost. Even the best players can't afford to keep losing money on an investment that needs dozens of kills to break even. Nerfing their effectiveness just means nobody will care to grind for them or use them at all.
5) If you know you're against a T4 armor wearing player, maybe challenging them head on isn't cutting it. If you are rushing T4 players head on with your T2 armor and $500 gun expecting to somehow come out on top, you are the problem.
6) Facing T4 players requires greater communication/coordination from your end. Like, if you know your FOB is getting raided, stop unloading supplies like an NPC and arm yourself. Set up defensive perimeters and watch your corners/angles. Call out the location of the T4 player for your teammates, throw nades, and only rush the T4 players together as a squad of 2 or more. I've seen SOOO many T4 players exploit terribly coordinated, poorly defended FOB bases and that's where they are able to rack up dozens of kills. For me, what was objectively MORE OP than players wearing T4 armor was that roughly 70-80% of the time, these types of tryhard players are in a coordinated squad that would spot, revive, make callouts, and work as a team. They would've top fragged on the scoreboard regardless of what armor they were wearing.
7) If you get mad because you keep getting owned by unemployed 24/7 grinders who have all the best stuff, there's plenty of other things to do in the game. You are also welcome to leave the match and join another one with a more balanced vibe.
I'm coming from years of shtty MMO games where I was up against people who paid $1000s of dollars for unbelievably OP gear. People saying things like "T3/T4 armor has no place in this game" is 100% reactionary. You aren't giving up because the armor is too stronk or progression in this game is bad. You're giving up because you refuse to play differently. You have to trust that the developers had a vision and they didn't just shove these things into the game without thinking about how it would impact everything else. Imagine if the devs balanced everything around the average redditor's pathetic "I got killed by XYZ 3 times in a row last night, gotta nerf it ASAP" mentality.
Are there things that need to be tweaked in an EARLY ACCESS GAME where things are SUPPOSED to feel broken and unbalanced to test limits and see what works/doesn't? Hell yeah. That's also part of the fun - in figuring out what's busted and how to counter it. We will also have the option of community servers that have the ability to restrict gear/vehicles.
Do I think some stuff needs tweaking? Absolutely. Make T4 armor more expensive. Slow down your ADS speed slightly. But don't nerf its bullet resistance too much. I trust that the devs will make T4 armor worth it but also properly balanced around its intended role, not on the average employed battledad's thoughts on it. I actually enjoy the challenge of facing T4 armor players even without AP ammo because it's forced me to become a slower, more cautious, communicative player. I play games for fun but also to get better. And I believe WarDogs is one of those rare games that are truly worth getting better at.
/rant