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.