Have "Raids: Matchmaking" & "Raids: Clan".
I'm in a clan (Join: http://www.bungie.net/en/Clan/Post/162357/67307809/0/0 )...but some people may not have 5 other friends or the time to find a clan. I don't think that people should be kept away from end game stuff if they paid full price for the game just like the rest of us.
Make a matchmaking section that is easier with less/not as good loot.
Clan section has best stuff.
Everyone plays all content. Everyone wins.
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#Destiny
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What reason is there for having worse loot? Using your logic, matchmaking should have better loot due to it being harder.