Maxed-out Squad: Try this trick for a quad of Hercs with all the trimmings.
From the main menu, start or resume a 
campaign. Return to the main menu and 
select Single Mission. Choose any mission, 
enter the briefing, and click on Armament. 
Select a Herc, then return to the briefing and 
cancel the mission. Resume your campaign 
and play the first mission, then Save. Load 
the saved game and you'll find your Hercs 
loaded for bear and ready to party.