I think that it's time we have a better bank system, nothing too crazy, just a tab that is exclusive to the guardian you are playing that can hold 2(or even just 1) alternative loadout(s). Say, your crucible gear for while you play p-v-e, and/or your patrol gear for while you raid. Essentially a closet spot for your choice gear loadout, one that you don't need to wear at the moment but don't want its components lost in your vault-or taking up inventory space while you grind. I know haters will say bungie wont listen, but you don't know if you don't try.