Duchy of Wessex already uses both of the suggestions you described above, our garrison members pay an optional tax, along with our regular members and are supplied with standard issue weapons and armor to use in combat. All garrison members that regularly pay tax do not have to worry about losing armor sets occasionally (unless there is excessive loss). This tax allows us to provide armor sets to garrison members, who in turn are used to protect other guild members during events and special circumstances such as valuable material transport and house deed runs. The tax money is also used to build housing and other necessities for guild members to use.
If more guilds were to do this, I think their PVPers wouldn't be quite so bored and frustrated with the "money grind."