There is a better example that fits destiny like a glove, borderlands. It has:
story missions
quests
loot (Seriously it has TONS of loot)
leveling system
subclass skills
supers
vehicles
and most importantly it also plays entirely as a FPS game that is co-op by nature.
The reason we scoff at MMO comparisons is the scope, you are comparing a game with a seriously limited amount of content with games that are massive in content by default there it only makes sense that some gear gets left behind since there is often thousands of weapons in the game.
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Uh. Ok, to dissect this I'm just going to ignore the whole list thing and just say I never disagreed that Borderlands was similar to this game. You want to use that as the example instead? Fine, let's use that as the example. It makes no difference though. The concept of weapons getting left behind is scaled by how many levels there are, and the difference they make, not how many weapons are available. There could be just two weapons in the entire game, and if one is level 20 and the other is level 40, then the level 20 would naturally get left behind in lieu of the level 40.
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Borderlands better story, better loot and as many times as you want to get loot, not once a week bullshit...