The only dumb question is the one you don't ask.
Assuming causes FAR more problems then asking for clarification.
And yep, it's harsh. You REALLY have to make hard decisions.
As an example I usually go with one cybereye with Thermographics, Image Enhancement, Teleoptics (20x telescope), and Targeting Scope; then a set of Goggles with Anti-Dazzle, Times Square (i.e. a HUD), and Audio/Video Recorder. I leave the other eye meat in case of EMP. Neutal Processor (needed for everything), Kerenzikov Boosterware +2, Cybermodem Link, 2x Interface plug (universal jacks), Chipware Socket, Nasal Filters, Contraceptive, Muscle & Bone Lace, SkinWeave, Enhanced Antibodies, Toxin Binders, and Nanosurgeons. That's it. No limbs, no built-in weaponry, no body plating. I just wear light body armor over the SkinWeave and am relatively bullet/explosion resistant (I don't play Solos, I don't need to be a Tank). If I get zapped with EMP I just pull off the goggles and use my real eye, since my limbs are all meat they're uneffected so I'm still fully functional.
No I can't go toe-to-toe with a full borg or take on entire booster gangs ... why the hell would I want to?
"She who knows to run away lives to flee another day."