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Personal Effects for non-Starfleet characters in a Starfleet game (and a Q on disruptors)

Would Personal Effects be used to equip non-Starfleet characters in a Starfleet game?

For example, a Klingon exchange officer might take a Knife/Dagger (or maybe a Blade) and Body Armor to represent traditional Klingon gear or a Cardassian might have Body Armor and…er…something else.

Also, would disruptors just be substituted for phasers on such characters since they cannot be selected with the Talent?

Yes, that would be good for that.
Yes, I would just give them disruptors instead. That’s what they did with Garak in the DS9 character pack.