This is how it should be:
Vendor: max level 28
Vog: Max level 30
Crota: Max level 32
How: Max level 34
No raids should be irrelevant. Each raid should be a step towards the next level. Vendor gear should only give you the ability to begin your raiding experience. Raiding is truly the best part of the game and Bungie should realize this.
And to the people saying they don't want to look like everyone else, iron banner gear, raid gear, exotics, and shaders allow you to be an individual. Your hard earned gear shouldn't be surpassed by armor you can get from an Engram that you can get from patrol.
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No factions should be irrevelant either