Toughen up/get good man, Cmon.
Is the logic that people are expecting the Dark Zone loot to be better? The idea of this sounds really interesting although, honestly, I could see it end up being a disaster. Is there no more traditional PvP in this game?.
Others answered your question about the best gear supposedly being the Dark Zone, so I won't belabor that beyond this line.
The *idea* is interesting, at first blush, but what I'm *afraid* will happen is you now have a situation where griefing is literally incentivized. Any game where players can kill other players is going to have griefing. Hell, any game where it's possible for a player to make another player's progress difficult even outside of outright killing them has griefing.
Now imagine you're playing an endgame mission with your fireteam. It takes a while because your team is probably a little underleveled/undergeared. You finally finish it and get your contaminated sniper rifle with all the perks you've been waiting for. In Destiny, congrats! You just got it. It's yours now.
In Division, you now have to get to the extraction zone, avoid PVE enemies, avoid rogues that the game actively encourages to kill you (getting rewards for killing players then surviving their retaliation long enough for a timer to expire) AND targeting players who have DZ loot (you can tell because the character model gets a bright yellow tube on them). A group of rogues geared specifically for PVP kills you and your group.
Due to a weird spawn or encountering some PVE enemies, you can't get back to the rogues before the rogue timer expires, they get the bonus for that, and they extract YOUR perfect sniper rifle. You're left with nothing but whatever blue/green garbage you picked up during the mission, having now spent 30-45 minutes on the encounter and whatever time was spent on the rogue battle and ensuing PVE fight to try to get to the rogues before they exracted.
On top of that, they're all 12 years old and screaming/laughing ethnic and sexual orientation slurs like prepubescent hyenas via the proximity chat while they're stealing the shit you earned.
This dramatization of something that will definitely happen is on top of the more vanilla issues of griefers waiting just inside dark zone spawn points and general devolving of dark zone into team deathmatch.
I think it's a horrible idea. The only way I can see it working is an opt-out, my aformentioned smart instancing, or heavily tilting the risk/reward against going rogue to the point that it's really not worth bothering with.
EDIT: no, there doesn't appear to be any traditional PVP (i.e. PVP specific modes like deathmatch, team dm, ffa, ctf, et al.)