[WillyPete]

There is no 'perfect' solution to the problem...
You just sort of have to pick one, hold your nose, and deal with whatever difficulties are involved!
And, really, the 'best' solution is always going to be campaign specific, not something you can do as a General Rule!
If you're doing "The Punisher" (or a 'Nocturnals' campaign), you want guys with guns to be pretty tough, and not a complete joke...
If you're doing something like 'The Avengers', where getting beat by 'guys with guns' (even elite Marksmen with High-Tech weaponry) is considered a mark of shame and disgrace, you don't want them to be able to do anything other than menace ordinary civilians, or the occasional beat cop.