Just like the title says, I feel this would skyrocket the amount of customization and creativity available to players, and while I am no developer, I don't think this is a particularly difficult change to make.
For example, I saw an excellent hunter set taking advantage of the dark/pale green and black in the refurbished black armory shader. I wanted to replicate this on my titan... however despite my best efforts I could only get black and red (while yes this is what the shader is intended for; it just wasn't what I was aiming for).
As always, love you Bungie, love your game.
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I just wish it was more consistent. For example: I've checked some shaders and noticed the top tile might be applied to cloth parts of the armor so I assume it would be that way for all shaders. But then I'd find one where the bottom gets applied to cloth instead. But what really grinds my gears is when I find an awesome shader for all my armor and then when I go to do my ship, sparrow, and/or shell and it throws in colors that aren't on the shader tile.