Well, so did Yellowjacket, and he still struggled to take on Scott. Though, on the flip side, he was kind of an insane idiot.
Also, by gear that they have, I meant things that they can carry around as standard. So, the one-off where Ray jury rigged that other thing from the ship's power to grow to fight that giant robot doesn't exactly count (seeing as he has never done it since, or even hinted that he could do so in the middle of a fight). So, for Scott, it's basically his suit + it's shrink/grow ability, as well as his shrink/grow discs. For Ray, it would be his shrinking, shrink-ray, energy blasts and flight (plus the strength/durability boost his suit gives him).