This is under the assumption, that loadouts will be separated from cosmetics.
However, even if that doesn’t happen, then why not let those, who only seek loadouts make a permanent unlock? And if anyone wants a higher rarity or lower rarity, then all of it would be optional. Setting the amount of augments, the skin color etc.
Cards are really cluttered visually. Plus the inventory and the card selection screen is quite unappealing.
EDIT:
Added live render as suggested by @Xaited