The plan was, that when you die, you lose everything. You might be able to salvage a usable gun, or a helmet or something and cash it in at the MCU.
The deal was, that if you ARE a higher class human, you have some pretty nifty armor that will keep you from becoming mauled from the first sawblade that comes flying your way. Armor has a "penetration" value (instead of a set amount that is deducted, ie gloom), and on the contrary sawblades wouln't penetrate into this kick-ass commando as you predicted.
But, if this guy does something stupid such as go into a base alone, or running blindly into a screw-defense trap without more "expendable" teammates ahead to scout around.. they can kiss thier shiny armor goodbye.
For the droids, We'd thought it would be interesting to unlock certain classes when you infest a human with lots of armor... as an added bonus. There are many possibilities at this stage.