I like the Blades in the Dark rules - which I am running at the moment - for player utility, improved story/action flow, and still providing a restriction on what they can carry.
Loadout
You have access to all of the items on your character sheet. For each operation, decide what your character’s load will be. During the operation, you may say that your character has an item on hand by checking the box for the item you want to use—up to a number of items equal to your chosen load. Your load also determines your movement speed and conspicuousness:
1-3 load: Light. You’re faster, less conspicuous; you blend in with citizens.
4/5 load: Normal. You look like a scoundrel, ready for trouble.
6 load: Heavy. You’re slower. You look like an operative on a mission.
7-9 load: Encumbered. You’re overburdened and can’t do anything except move very slowly.
Some special abilities (like the Mule ability or Assassin’s Rigging) increase the load limits.
Some items count as two items for load (they have two connected boxes). Items in italics don’t count toward your load.
You don’t need to select specific items now.