You will ruin this game with Personal Loot

You need to familiarize yourself with loot nomenclature. Much of what you are saying is incorrect. Loot drop rate is separate from the loot drop system which is separate ftom trading/trading restrictions (e.g. BoA) which is separate from smart loot/non-smart loot.

I put together a simple primer to help out.

It is here:

Simplified Primer on Loot Nomenclature - Diablo II: Resurrected / General Discussion - Diablo 3 Forums (blizzard.com)

In addition you can preserve the authentic D2 gameplay experience in D2R AND add a second option. These are not mutually exclusive.

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