There are two ways to help the people with less time:
Either you have infinite time to prepare like now.
Or the ceiling of preparing is lower, meaning that high end stuff like gatlings, avengers, hard drugs, best armors and so on are deleted. So that you basically have a pvp set after killing a single unity patrol.
Loners will be loners. I think it's completely plausible that in 2238 world there are self-sufficient individuals. It doesn't matter that they farm alone because they will add to the game in their own way. But they can't do that if they can't get the stuff in first place.
Look, there are players who don't add to the game at all, even with the infinitive time granted, they have the stuff, but there is no motivation to use it. There are the part of players, that have bases full of stuff, but yet they run around naked and troll other players, despite they had a year to farm that stuff. They aren't interested in blunt fighting, the activity by itself is boring for some, but if something more than that would be tied to it, in theory it could interest more players.
So, basically you want to make stuff easier to obtain, reasonable to achieve the necessary amount. Hey, it's already being done, for example, current change of armor system allows players to farm them instead of craft that requires blueprints and resources. If you'd count out the problems that FR provides, the game has been significantly eased since the Wipe, if you don't agree we could talk about that more. Besides, once you kill one unity patrol encounter, you get most of the set of needed equipment to fight, mediocre armor, weapon, ammunition and the rest you need is drugs witch can be obtained, traded by the extra items you gain from the encounter.
Increasing item availability decreases the value of the particular equipment eased to obtain. There has to be a line, otherwise we will find ourselves like in Fallout online tactics, I'm not aware if you played it for the short time it was active, but there was a valuable lesson to be learned. So, the deal was that you get free items from a terminal, the only restriction was that there was a fixed amount of time, no resources needed, no logistics, nothing. The only limit was a ticking clock, the effort to gain the equipment was so low, that players ran around with the equipment just as casually as they would do naked on 2238. The gear had so minimal worth, that players didn't even bother to pick it up after fighting, large part of the game just vanished away.
Point is, when stuff is made easier to obtain, you have to be damn careful about it. I'm not fond of making stuff easy (because of the value thing, ask any member of SOT, they will tell you that stuff is way to easy to get, then it gets boring), not because I sit and farm 24/7 and not that someone from my faction does that, just because I know how a large group of people does it. If you make it easier for loners, call them whatever you want, you make it easier for organized factions too. So, if you think making equipment easier to farm, get in general, that will not essentially help loners in the regard of the 3 month period, it's just going to result in faster dominance of organized factions, we'd be back at point zero. Though making the game more bearable concerning time consumption, is something I support for the greater good.
Avv vs T-888, round 2, FIGHT!
Meanwhile the common player of 2238 observes(not reading, but observing, children learn by observing) the discussion.