It's so annoying having to start over and redo everything just to change how your character looks. With it being entirely cosmetic, it seems idiotic to be unable to change how our characters look.
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But it's so much fun to replay the campaign and do all the one-off activities again! I actually quite enjoy getting to experience the "early days" again as a veteran Guardian, and checking everything off the map - there's a lot of stuff to miss the first time, and if nothing else you can take advantage of the free Milestones and high-level Quest Exotics!