Here’s how I handle it:
Cybernetics: Up to 6 Cybernetics may be installed. (RAW)
Armor: May wear armor (and mod it) as per usual, but it counts as armor plating etc. and so GM discretion should be used regarding what armors are eligible. Additionally, GMs and players should consider that Armored Clothing will be very different on a droid than on a player, as it’ll be metal plating that is simply designed not to look like armor plating as opposed to concealed ceramic plates or armorweave. Encumbrance still reduced by 3. This is RAW with added advice.
Carrying/equipping equipment: A droid can hold up to its base Encumbrance Threshold (Brawn+5) as built-in equipment. Anything over requires a Mechanics check of a difficulty equal to the amount exceeding Threshold (so if it puts the droid 2 over, it’d be Average). Additionally, the droid can carry equipment as per usual, and equip backpacks, utility belts, etc.
To adjust droid skills, I’d suggest reprogramming via the crafting rules, although you’re typically better off with the RAW stats.