...I leave Utility Belt for everything else, maybe gear they have, maybe they don't...
Why does everyone keep referring to the utility belt as this magic belt of holding? All it does is give you an extra endurance to carry stuff. The player still has to decide to put something in it. The fluff in the rulebook says that their contents can vary based on who is using it, but it's not specified or implied that they're full of whatever is narratively appropriate.
Ummmm, the Talent "Utility Belt" is what we are talking about......