I have had plenty of runs with undergeared people, and you can always tell right away when those around you aren't geared.
I have never said anything to anybody, because i feel like if i said something people would look at me like the villain. Like some toxic elitist for calling someone out on their gear.
So i stay shut, but boy is it frustrating to sit there healing this tank non-stop and being unable to dps because every hit half healths them.
Or only being able to do tiny pulls and still having to pop defensives because this healer can't keep me up.