First i would like to say that the idea for loadouts is genius! In terms of gaming, people like to play and get a special reward out of nowhere, keeping them playing for longer to try and get more cases. In terms of supporting DB financially, its also a great strategie, since people now will have to either waste money on cards to get'em up to gold, or save to get new merc. Its a bit harder to do both, unless you pay.
But for me, there's a major flaw in this system. I have the exact same loadout and perks in a bronze and in a gold card. What's the interest then to evolve'em to gold if i can get the exact same thing in bronze, spending 1/4 of the money?
I believe the perks could remain the same, but with some stat bufs. For instance, since this nerf, the healing buff went from 30 to 20%, and i understand why, but to make ppl rush after the gold card, why not give a 2% increase on the perk with each level? by gold you get a 10% increase in buffs, what gives you a certain advantage, altough not an overwhelming one.
Same goes for many perks out there, the slight 2% increase per card loadout level, would make ppl try more to go for the gold.
Just my 2 cents