Is it trying too hard to give him a cell phone? No? Well, in a world of alien super-science and magic, why wouldn't he have other fantastic upgrades?
Jurgens didn't design that suit, but since it's already there, why not do something with it? No way in hell you could wear all that under regular clothes.
And far as as the public goes, it sounds like some expect it to be written as a hive mind. People vary greatly in intelligence and opinions, so whatever the writer has their random citizens say really just fits the context of the particular story.
@ArtisticNeedham: GREAT post, I actually signed up to just about say the same.
Old school Peter Parker would often lose fights, especially first encounters, back when there was only a fraction of the villains existing today. It was something of a staple for him to whip up a solution.
Stan Lee hinted that he'd get stronger as he was only a teen, but with so many super strength characters out there, it's boring enough that most writers will just have him fall back on his physical ability. Of course... once you have a Spider Glider or Mobile, that's a bit too far...