Like the OP I've recently started on ME, I'm at Level 15 now. One thing that really annoys me about the party selection is that (like KOTOR2) you can't access gear assigned to people not in your party. Effectively this means that if you want your active party to have the best gear (as you would), then when changing party members you have to faff about transferring over the kit. A good example would be weapon/ammo mods and maybe even the weapons themselves, you don't want your most effective weapons sat on your ship, you want them out there kicking ass. So you have to do something lame like, exit the Normandy with them in your party, unequip the gear, reenter the normandy, exit the normany again this time with your proper party, and equip the decent gear

Right pain in the arse and I can't believe they didn't change this after KOTOR2, I know that logically if person X has been issued a suit of armour, you wouldn't expect person Y to exit the spaceship and then be able to put it on. BUT, it's not like you can't manually get that situation to happen via the method I described above. So they are forcing you to do a laborious task for the sake of continuity, with the same net result as if you could just swipe items of characters who aren't in the party.