Yeah, the main problem is all of the portions you're dealing with now came online at different times. First, there was skill point allocation requiring respecs and inventory loadouts requiring nothing. Some time later came skill loadouts, then vanity loadouts, and then the hotbar (years apart in some instances). Now that all of these systems are in place, they do seem disjointed.
I'll add this to the list of things to consider with the design team.
-ALS
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