Day one player here, spent thousands of hours in game, and absolutely love the game... for the most part. Trying to get max crucible grimoire, though, has been hands down the absolute worst gaming experience I have ever had. This is my first FPS and I fell so in love with the mechanics that I committed myself to getting better at crucible. I think I was around a .3 KD for the most of year 1 and have brought myself up above 1.0 on all characters but still doubles and rumble are a complete and total nightmare to get wins for. I'm not sure how the matchmaking works but 9 out of every 10 matches I'm pit against players much better than me and my teammate is usually worse than me. I only make this point because I really do love competing in crucible except when I'm required to win matches because for someone usually playing solo it makes a very enjoyable game extremely frustrating and an overall bummer. You might say, "Then don't play those game modes" but they are required for grimoire and I guarantee I've attempted more than enough matches and made enough kills to deserve the cards. Unless matchmaking or lag issues are fixed you should not make winning matches a requirement for game completion. Just my two cents anyway.
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Meh you're probably right.