I may or may not be the only one thinking about this, but I personally think that there should be at least one loadout tied to each character.
My ideal setup would have each character start with 1 loadout, have a 2nd unlocked through character progression, and a 3rd purchasable with credits. Along with a handful of “universal” loadouts for character testing purposes.
Only because I find that different characters require unique loadouts. And IMO, it would be far more convenient if we didn’t have to tweak loadouts between missions or matches before we choose a different character set.
Just a thought…