Need some advice first time player

Hello Reddit!

So in short i'm playing New World for the first time and have just brainrotted my way to lvl 65 doing a bit of everything (questing, skilling everything). Now i'm standing at Baines and just endlessly grinding him, same with Abiogenesis / Malevolence. I really need someone to explain to me how drops works. For example i'm at baines for the tanky armor (woodgrain i think its called). Now, I am lvl 65.. why am I getting lvl 61 armor pieces 95% of the time and the other 5% it's lvl 62. also the GS is usually 625 - 640 ish. Am i just grinding this for nothing?

My GS is 675 (obviously not getting these pieces as drops so basically had to buy my whole setup in exchange of gold).

Don't take this as complaining please, i've just played and haven't put a thought to all this until now that it feels that it actually matters. Game is great and loving every minute of it. Please someone explain exactly how drops work with GS and all that as if i were 5 years old :D