Hmm... Not quite clear on your thinking. So you would rather have 9 lvl 85 characters that individualy are good at individual things instead of being able to have one or two characters that can when needed be able to change to fit a suitable position in a group? Seems like alot of wasted time. And its not a shift on the fly change. you are not fighting a warrior type and he hits a button and now is a stealth type then a mage once he gets away blasting you with spells. honestly its obvious from your post you haven't been involved in any play of the actual game but have just seen commercials.
And big Raids are really nothing like you are posting them. You enter a area that has a rift and a button pop's up and asks if you want to participate. Click it and you are immediatly added to all the people that are also there that are fighting that rift. No Queing. None of that I wanna join can I! And participation and loot is handled not by a " Master looter" that is a person and could be biased. When that Rift or situation is over there is another pop-up that gives you random loot based on your participation lvl, If you were there for every stage of the Rift (( how long you were fighting ) and what not.
Please before you post something. Get some info.