From personal experience, it doesn't really matter if my opponent prefers to take their gear off in Shell Kit because usually they take off 2 pieces, and due to the regen not being high enough then I can just crit them to death and cause them to die without having to even break their gear. Now ofc the obvious counter to this would be to only take off one piece (like the boots or the helmet) however, when it comes to both of your gear breaking, you're usually gonna kill your opponent anyway even if they still have that remaining helmet or boot since you can out-combo or out-crit them. If you don't then ya you're screwed unless you just run and regen and then re-engage, however that's where personal experience comes in your favor or not so ye. And if your enemy takes off their pants only or their chestplate, then you can still just outcrit them and drop them.
Basically, I don't find players who take off 1 or 2 pieces of gear to be an issue because if they do, then I just simply encourage them to put the gear back on by pressuring them with crits since if they dont, then they'll die before their gear even breaks. And if they take off just a helmet or just their boots then I'll still be able to outcrit them anyway if we're both low. Only one piece is not much of an advantage.
Now in the Armor kit with the steak and extra pieces, yeah if they take gear off then you'll have to take gear off due to the diff regen in it.