I dont remember where I read this but I'm pretty sure it was here regarding something about gear level. From what i heard, toons dont receive benefits granted from completed gear unless all 6 slots are filled? Sorry if this is confusing but I was concerned because I thought from the post i read said that toons equipped with gear 12+ dont gain the stat benefits unless the final currently locked piece is filled.
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Gear, on the other hand, affects your stats immediately
So if you put on a gear 12 extra piece that gives 6000 health, you get 6000 health. 6000, and not more, even if yoi have mods that give 20% extra health. For unfinished levels that doesnt apply, so you dont get 6000*1.2=7200 health.