Player-created gear should only be available through clans, and must be approved before it enters the game. Otherwise, all the current cosmetics will be made useless.
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With shaders I had the idea that your custom shader (limited to one) would have to be acquired through using the individual colors of shaders you already own, hence requiring you to do some collection and hunting after specific shaders for that red you want or whatever.
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I'm not a fan of personal customization like that, because a big part of Destiny involves group activities. But some element of personalization would be nice.