I'm honestly 100% fine with the system as described. I've said previously that something like increased XP to level new characters to cap is completely fine, and is a convenience not a power gain. And of course cosmetics are pretty self-explanatory.
As long as they keep things like the season pass and of course their premium currency confined exclusively to cosmetics/convenience I have absolutely zero problems with them monetizing that. In fact, it's a GOOD thing, because that way the people who WANT to spend money on cosmetic stuff are supporting new content updates for the free players, too.