^^^^. Why can't you use Reviver 3, First Aid 3 and Collector 2? Is it too many load out points?
Oh this is assuming your main gun is a silenced weapon, thus four points gone there. First aid 3 is 6 points. Collector is five 5+4=9.
With only four points left in the game, you can't even use reviver with is again five points.
I've been using Reviver 3, First Aid 2, and Collector 2 anytime I need more loadout points. My team was doing so well yesterday that they actually told me not to kill the last person so they can kill each other with molotovs and nail bombs to keep reviving each other.
Wait, so you don't run with a freakin' gun?
Nope. Revolvers and crafted items are free though, and once I've gathered enough points to support my clan I switch to my hunting rifle build.
You don't always need a large firearm to survive properly
Personally I don't use Collector. It's really a selfish perk when compared to all the team-skills out there like First Aid, Reviver, Crafter, or even spotting. If your playing with a good team who don't just hog all the kills, then you should have more then enough points for whatever you need.
I usually go:
With that build and good team-play, I always have enough money to keep refilling those shotty shells.
The idea of starting off with Collector and then switching classes does sound like a good idea though. Gotta try that soon
If you're starving for parts:
First Aid 2
Run this for about half the game and then switch to whatever loadout you prefer. If you stick with the Revolver, you can get the upgrades and max ammo pretty quickly.
Reviver 3 (and 2 for that matter) is really only useful for very rare pinch situations in Survivors when you absolutely positively have to revive someone in the middle of a firefight. I don't understand why people would spend the points on it when they have also have Healer 2/3. You are basically cannibalizing points on one skill (Healing the revived teammate) to feed another (Reviver bonus)
Reviver 1 though, is almost a must for Survivor unless you are a lone wolf type.