I was too chicken for awhile but messing around with a few pre-built xmls really helped. Now the only ones that truly confuse me are ones like Motenten's because of all the includes and ***. x.x I may just steal his for a bit since he has a surprisingly good PUP one up atm and it has a lot of rules I've been wanting to find a way to implement into my own for awhile now. x.x
I think the hardest part for me is going to be like condition specific gear sets. Like, use x, y, and z when campaign tags are present, as to take advantage of campaign gear, or equip q, r, and s when aggressor is up, as not to overload on accuracy, etc.