Unless they specifically mention they are carrying gear, I generally don't bug much about it.
My characters (when I play) typically have four bags (locatins in Chummer): a foot locker, a bug out bag, a "travel" bag, and the trunk of the vehicle. Then I break down what gear is in each bag (on the sheet), and if I need to swap something out before we go I do. Then I run on what's in the bag (and sometimes trunk).