Will your Ryder use N7 armor?

Well, at the very beginning of ME1, Shepard is probably a bit closer to the average N7 than he is later on. Being a war hero is probably what brought him from a 6 to a 7, actually, though I'm not 100% sure of that. You're right, though, Shepard is exceptional, even by N7 standards. And yeah, the Pathfinder is all of those things, but

Well, of course, yeah. I tend to take gameplay stuff with a grain of salt, though, since the player will always be more competent than the characters themselves. That's, as you said, just how playable characters work. I don't think Ryder is actually as capable as we make them look, story-wise, hence me not thinking Ryder deserves an N7 armor set.