The copy is a unlocked, completely fresh copy of the subclass you lock, you don't restart at level one because as you notice during the beta, skill growth is independent of character leveling.
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Ok. I think I'm starting to get it. I read you will be able to select that locked loadout afterwards. Would that mean, say I wanna do a raid and I have a great build, will I be able to apply my locked loadout for that time?
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Loadout is carried on you like a kind of gear and "equipped" just like shipping a gun or a piece of armour.
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Awesome! Thanks for your help.