#2, Why does the number of 90 toons matter? If I have three 90s, that doesn't get me into hardcore guilds any faster (in fact, in my attempts to gear up all three, I'll probably do it even slower.) It doesn't net you an advantage by having an additional 90, because your time gets split up. If I have the same gear as you do, but you have eight more 90s, that doesn't do a THING for you in a fight.
#3, I actually HATE Micro-transactions for the most part, but this is one thing I don't have a big problem with, if it was tweaked a little.