Few things that can counter your "annoying" problems.
Although it is fun seeing a Bandit trying to snipe you with a DB Shotgun.
Also, think of this, how rare is it to get a fresh loaf of bread in the Zone that is NOT radiated. Ever see any wheat or flour around?
5.Semi-Auto. Simple. Any other fire mode wastes money. You know that burst fire? Yeah, the recoil causes you to waste a bullet and bullets, cost, money. Change your caliber. There is a reason why there are ammunition called "Armor-Piercing" and "Hollow-Point". Regular ammo will deal equal damage for all sides and those 2 will do extra to the respective entities.
Other than that, I can't help you more. Les Miserables is a good MISERY tweak mod that changes a ton of stuff. Trader prices are cheaper, weight reduced and mutants are easier.