I really don't want my one friend to be left out all the time I play story missions or me being left out if the other 3 come online before I do.
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I'm sure the team at Bungie has done their research and found that most people play in 3's which is why the made it this way. They also want this game to be very social and having only a 3 person cap almost [i]forces[/i] you to make more friends.