As a few other people have said before this. I like to make the experience realistic, part of that is reloading. Lo caps are not expensive so the cost issue is total BS IMHO, what I have seen people do is buy those cheap MAG midcaps and just fill them with locap capacity, which as far as I am concerned makes them a locap.
On another note as kind of a balance to make up for the fact they do not need to reload if you use a hicap you can only use one; whereas if you use locaps you can use as many as you can carry.
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