I’d rather if they turned every loadout card except for the base lead-cobalt ones (and maybe a few like the Aura and Fragger obsidians) into just skins with no augments or changes to weapons.
You would be able to use the skins along with the default card for the merc with no problem (so it’s just a pure skin)
OR you will be able to combine a skin with a silver and up card to turn it into a special edition loadout card.
Basic skins (like the ranked skins and Alienware skins) will have to be combined with a silver (or above) loadout card for that same merc to be turned into a ranked loadout card
Event skins and better looking skins (like WTD and Shock Shell skins) will have to be combined with a gold or cobalt to become loadouts.
And finally, obsidians and amazing skins (like the elite operatives) will have to be combined with a cobalt to be turned into loadouts.
Once you combine a skin with a loadout, there’s no turning back. But that’s where trading comes into place so you will be able to sell cards you no longer want.
Using the skin with no loadout (with the default card) will NOT require you to combine the card or “waste it” in any way