You forgot to add the raid gear is pointless on its own, it's only good for infusion, and most of the time it drops at lower levels, while ToO gear it's not only easier to get than raid gear, it's most likely to be higher levels, and even with ToC, you have a better chance at getting exotics from the reward packages.
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Yeah. You are absolutely right. And when the raid piece actually drops.. we have 2 bad options. Keep the ugly piece with possibly bad rolls. or Infuse it and lose prescious points in the process.
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I had s spindle at 300, infused a fusion at 314, damn thing didn't even reach 310, I wasted 4 points on that crap.