There should be no spawning loot in towns, or else noobies would just constantly be checking them. It would be better if they were to add containers with random loot in random encounters.
Similar to FOnline 2, lootable wooden crates or mailboxes, but instead of finding junk, metal or lint? (whatever the fuck it is xD) you find random gear, like 9mm ammo, some frag grenade, jacket, a pistol, etc.