...immersion and exciting gameplay opportunities?
You can roleplay that element, like in an rpg choosing whether your character wears panties or not (assuming panties give no mechanical bonus).
Since armor gives no mechanical bonus in piloting, I see no sense in limiting armor choice.
Having said that, you also speak with ignorance: It is possible to mod it in. You just make a special soldier type "pilot", make his only armor a flightsuit, and disallow anyone else to pilot crafts. I think the 40k mod has it done like that.
That random events whose only outcome is punishing the player by substracting points and which can not be avoided, mitigated and have no further consequences (i.e. they are independant of player action regarding their cause and outcome) are a bad idea.
This is a fallacy, dude. You criticize existence of a strawman (Solar's events having punishing the player as the only consequence or purpose, "author hating your guts" as you put it, I could say, quite antagonizingly), without even KNOWING the events or the lore that is behind them. You can't behave like that. This is some postmodernist critique, "critic vs author" combat; taking your issues with imaginary world (game) into the real world (author). You're not an author. You're a spectator. Deal with it.