What might be an idea is to have your character, bare, no equipment at all, and bone animated for smoothness. Then in DBPro, you add in the equipment by gluing objects to limbs, like a gun can be glued to the hand, a shoulder pad could be glued to the shoulder limb etc etc. It would make it easy to change these around, as the item itself can retain it's identity - like the same object can be used to drop the item on the ground, show it in a shop window, or glue it onto someones body.
I would go for a modular system, let people buy seperate knee and shoulder pads, chest protection, weapons, and mix and match how they like.