@bored Very belatedly, there probably is going to be some kind of min max point but the general idea is that PCs should not find it difficult to get access to the basics of good gear. If nothing else? If I try to make it difficult then some rich person will just buy all of their friends laser rifles and make a mockery of such restrictions.
Energy shields, synthsilk, guns or blasters, etc? Meh, I am pretty sure any player character can get hold of that stuff unless they are deliberately playing a poor person. Powered ceramsteel? To be honest? The same, though I would intend fairly strict enforcement of the fact that powered armour only has battery life measured in the hours meaning it is something that rich people break out for pre planned high intensity combat not something you wear on adventure or when walking around town. Also it is vulnerable to anti tank weapons in a way that energy shields are not.
The really fancy stuff like battle shields, wire blades, mist swords (lightsabers), fusion guns, etc? That costs character points and if you obtain such a thing through roleplay then it remains subject to being lost until you pay for it. Though going into 'xp debt' to secure such an item should probably be an option.
The idea behind high lifestyle spending being that it makes having access to a certain level of gear assumed along with the ability to temporarily kit out buddies without paperwork. If somebody is a rich bishop and they want to send people on a mission in an aircraft? If they want to send three baddass level NPC mooks to back up the PCs due to only a few turning up?I do not want to keep track of who has non military aircraft or precisely how many badasses somebody like that has access to, the rich bishop probably has an air yacht or a shuttle and can send people off in it along with having 'sufficient' numbers of moderate badass level mooks.
Notably, PCs who are not rich are liable to have goals in the 15-18 range in their area or areas of specialty. Generic NPCs do not get goals higher than 12 or 13 at the extreme. When it comes to combat goals? Professional soldiers have goals of 9-10 (9 for shooting, 10 melee). Veterans 11, special forces 12. Generic Brother Battle have goals of 12 across most areas along with a lot of combat maneuvers.