People are not as much aftraid of loosing radios, rather are afraid of giving up their radio channel - if you pick up a radio from the corpse, this radio is set on the channel it was used last time, thus you know the radio channel of some gang/group. Thus you know what they say and thay have to change their channel I cannot put it simpler ;PI still am for leaving everything lootable, only introducing keyless locks I've suggested before. It should be enough.
Add radios to that (or some boost for radios or ingame communication in general) and you have one happy player here .