What kind of clothing and accessories would you realistically wear on your average looting run, for example, where dangerous encounters with zombies are rare?

I'd wear some kind of work pants or hiking pants with side pockets and durable material. Even without encountering zombies, I'd need to carry essential tools and enough of a base kit to survive for a day or two if something prevented me from coming back the same day. A backpack would be good to have but ideally it should be for loot and discardable if necessary. So pockets are ideal.

I'd have thin gloves, like the ones mechanics use. This is for being able to move stuff around without being worried of splinters and other kinds of wear on the hands.

Shoes would also have to be working/safety shoes with a hard toecap, not just for safety, but similar to the other stuff it's about not having to worry about it when moving and ravaging through things.

For tools I'd like to carry a screwdriver with exchangeable bits, pliers with a cutting edge, a knife and pen/paper.

A hoodie with a zipper for warmth and flexibility.

It's realistic, because that's basically how I dress up to do DIY around the garden and house. I normally wear much lighter clothes, but for working with DiY I prefer wearing this "suit". It might be slightly heavy but it's liberating not having to worry about touching anything with any part of the body.

Personally, I'd probably opt for mostly hiking clothes, as military camo might be a bit too provocative. Working boots or something similar would keep my feet safe from rusty nails and glass, and cut-resistant working gloves would probably be ideal as well. Wearing a helmet wouldn't be a bad choice, but realistically, I'll probably just wear a hat of some sort; it doesn't really matter. I would likely carry the most essential tools on my belt and keep the rest in a backpack.

I’m confused, you’d change your gear based on the assumption that you’re going to run into low to no zombies? I’d always assume you’re going to encounter zombies, and only alter what you are wearing based on needs.

In the case of general looting, your normal gear plus an oversized camping backpack with some sort of improvised quick release system is going to be best. Bring some extra water, since you’re likely to be carrying a lot.

At the first sign of trouble drop your gear so you get back full mobility. Zombies aren’t going to be interested in a backpack, and if it’s human thieves it’ll be better to drop and run than increase your chance of death.

I’d also suggest you carry a smaller and easy to secure secondary pack for vitals like meds, so even if you end up having to fully abandon your larger pack, you’ve not lost the most important things.