It boggles my mind that loadouts are per account and not per hero. Why would I ever want the same set of loadouts available on Kelvin as on Oscar Mike? One is an Eldrid melee with no shields that does not reload, while the other is a ranged with shields that does reload. They are incompatible.
What complicates things even more is the fact that almost any Eldrid loadout will be incompatible with any other loadout due to shields. On Eldrid loadouts, I will take gear that negatively impact shields since it does not matter and lowers the cost or improves the bonuses, but this gear usually sucks for every other faction that has shields. So, already I need to dedicate a few loadouts just to Eldrid.
I hope the paradigm shifts in a future patch to per hero. It could start with one loadout per hero and top out at three, which I feel is quite fair. That would give, at current hero count, 75 total loadouts, which I suppose is a large jump from 9, but given it is just a few entries in a database, I do not see the technical hurdle.
It is doable to just use a few heroes at a time, and dedicate two or three loadouts to each, and then switch your own rotation and change your loadouts, but why? That seems like a lot of effort for something that could be handled more elegantly.